 Those are all really good tips, Gwen. But what if someone doesn't know their credit score? What's the way that they can find out and continue on their home buying journey? Great question. So you can request a copy of your credit report at any given time. And when doing so, make sure you're going through the credit report thoroughly because there may be something there that shouldn't be there or if there's something there that maybe perhaps you can go and speak to that creditor. And perhaps, you never know, they could lower the interest rate for you.