Some of the many things you have to do when planning to purchase a house amongst the available Carmel Valley houses to buy is actually in order to get a mortgage. It's recommended to obtain pre-approved initial prior to you also look around. In this manner, your chances of having your promotion accepted by the dealer will be actually higher. Obviously, you would would like to get the most ideal loan there is actually as well as to carry out that, you must have a higher credit or FICO credit rating because financial institutions nowadays are actually coming to be stricter concerning their lending requirements.