The homebuying process affects your credit in distinct stages: How Your Mortgage Affects Your Credit Score | Bankrate

Buying a house typically results in a in your credit score, but it is often considered a "long-term gain" for your overall credit health . The initial dip usually ranges from 15 to 40 points after closing, while the recovery to pre-loan levels generally takes about five to six months of on-time payments. The Three Phases of Credit Impact