Credit
What credit score do I need to buy a house?
Answered by Onias Derilus, Mortgage Capital · NMLS# 1859012 · Florida licensed mortgage broker
It depends on the loan. FHA allows 580 (or 500 with 10% down), VA and USDA lenders look for about 580 to 620, and conventional needs 620. Better scores earn better rates and lower mortgage insurance.
You don't need perfect credit to buy. We'll pull your true mortgage score and match you to the program where your number qualifies for the best terms.
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