Can I buy a home with a 620 credit score?
Yes. A 620 credit score is the minimum for a conventional mortgage 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.
What a 620 score unlocks
A 620 score opens most loan doors. Conventional, FHA, VA, and USDA all become options. Your rate will not be the lowest, but it is competitive.
At 620 you often escape FHA and its lifetime insurance. Conventional with 20% down drops mortgage insurance entirely.
Getting the best deal at 620 in Florida
620 is a solid launch point. A little more score growth can still lower your rate. We show whether waiting pays off.
Bring your report and goals. We will compare buying now versus a short push to a better tier.
Verify the details for your own situation against these government and agency sources: HUD FHA loan program and HUD Handbook 4000.1 (FHA rules).