Credit
Can I buy a home with a 620 credit score?
Answered by Onias Derilus, Mortgage Capital · NMLS# 1859012 · Florida licensed mortgage broker
Yes. 620 is the minimum for a conventional loan and comfortably qualifies for FHA, VA, and USDA. You'll have full access to standard programs at 620.
Your rate and PMI improve as the score climbs toward 740, so if you're near a tier break a small bump can save real money. We'll tell you whether to buy now or nudge the score first.
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