What Credit Score Do You Need To Buy a Home?
Many first-time homebuyers overestimate the credit score needed to qualify for a mortgage. The truth is, there’s no universal number required to buy a home different home loan programs and mortgage lenders accept a range of scores. Whether you're considering an FHA loan, conventional loan, or VA loan, your credit score will impact your mortgage rate, loan terms, and approval process. While a higher credit score can lead to better rates, you don’t need perfect credit to become a homeowner. Improving your score by paying bills on time, reducing debt, and reviewing your credit report for errors can make a big difference. If you're unsure where you stand or want to explore your options, contact a trusted local mortgage lender today to start your homeownership journey with confidence.
