If you haven't already pulled yours, now is the right time to get your Free Annual Credit Scores.

A change in your credit score will affect the interest rate charged on your loan. Knowing your score helps your negotiation with the lender. Reviewing it in advance of applying for a loan gives you the time to correct any errors or oversights. Everyone is entitled to one free report from each of the three reporting agencies per year. This is the best time to do it, now while you’re still looking. If you have not already ordered yours, you can do so by following the instructions here.

(Contracts to Buy include a blank on the standard form that references the interest rate the Buyer expects to pay. It would be most efficient if you were able to accurately quote the rate offered by the institution).