Conventional loans
Many conventional lenders use 620 as a practical starting point, but stronger scores can improve eligibility and pricing. Automated underwriting, loan type, down payment and the overall file influence the result.
FHA loans
FHA guidance is commonly summarized as 580 for maximum financing and 500–579 with a larger down payment, but lender overlays can be stricter. FHA eligibility also depends on debt, income, property and documentation requirements.
VA and USDA loans
The federal programs may not establish one universal minimum score, yet participating lenders frequently use their own thresholds. Eligibility, repayment ability, property rules and underwriting findings still apply.
Why the middle mortgage score matters
Mortgage lending may use scores from all three bureaus and specific older FICO models. Joint applications can be affected by the lower representative score. Ask a licensed lender which model and policy apply to your file.
Prepare before preapproval
Review reports months early, correct actual errors, pay down high card balances and avoid new debt. Build savings for closing costs and reserves. Do not dispute accurate accounts simply to make an application look better.
Continue with credit score ranges, credit bureau disputes, mortgage score requirements and what to know before paying for credit repair.
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Prepare before speaking with a lender
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