Getting the best mortgage rate as a recent immigrant (US)

[Maddy C.]

I want to purchase my first property in roughly 12-15 months' time, and want to ensure I get the best rate possible when the time comes. (Either an out-of-state investment or house-hack with FHA loan).

I moved to the US a year ago. I've been working on my credit score and according to Credit Karma it is around 730-743. I managed this with two credit cards (one is 11 months old, one is 1 month old), and keep utilization under 10% (currently 3%). I have stable employment.

Is there anything else I can do now? Should I get a small personal loan? Is it possible to get a decent rate with such a short credit history? Any advice welcome!