From the FAQ File: Credit Health

Some of the questions we receive aren’t about Richmond American Homes, but about homebuying in general. For example…

Key in door lock

Q: Do I have to have spotless credit to buy a home?

A: No, but a good credit history may help you get a better interest rate on your mortgage. If you’re not sure whether you’re ready to buy a home, you may be interested in our free First-time Homebuyer Guide. It contains budget worksheets, credit management tips, mortgage FAQs, moving checklists and other resources to help you plan your new home purchase. We also offer a guide called 8 Credit Score Management Tips, which focuses specifically on ways to get your credit mortgage ready, and another for those interested in Buying a House After Bankruptcy, Foreclosure or Short Sale.

Still have questions or feedback? Thanks to our affiliation with HomeAmerican Mortgage Corporation, American Home Insurance Agency and American Home Title and Escrow Company, we can connect you with the answers you need—whether you’re curious about how to pre-qualify for a mortgage, which factors influence your homeowners insurance premiums, what’s involved in the homebuilding process, or why you need title insurance. Keep checking the FAQ section of our blog for future Q & A articles, or contact us at We’d love to hear from you!