While reading "Mortgages for Dummies" this weekend I found a useful tip about credit cards. Make sure you are always under 80% of your credit limit on each credit card to get a better rate on your mortgage. It has something to do with ratios they use to figure out your rate and their risk. The "Mortgages for Dummies" book has been so helpful I think I'll grab the "Home Buying for Dummies" book as well.