In the dynamic landscape of real estate and financial planning, navigating the realms of credit scores and mortgages can be a formidable task, especially for first-time homebuyers. I’m Vidit Paruthi - Mortgage Professional based in Surrey. I've witnessed the intricate dance between creditworthiness and mortgage approval. This comprehensive guide aims to demystify the process, offering insights, tips, and real-world examples to empower individuals stepping into the world of homeownership.