In order to be eligible for the lowest interest rates possible, mortgage lenders are expecting to see a credit score in the 700 or higher range. Improving your credit score should start with knowing where you currently stand. From there you will need to make sure you are paying bills on time and lowering your debt to income ratio as much as possible. Here’s a detailed article from Experian, that can help you make your plan for 2014, and be a homeowner before you know it. Read all their tips here.