Step 1: Check Your Credit Score
Your credit score plays a crucial role in determining your mortgage eligibility and interest rate. In Kentucky, most lenders look for a minimum credit score of 620 for conventional loans, though some government-backed loans may accept lower scores like FHA, VA, USDA Mortgage Loans

Conventional:
620 SCORE NEEDED. BUT TO GET APPROVED FOR A FANNIE MAE LOAN MOSTLY LIKE YOU WILL NEED A 720 SCORE OR HIGHER IF YOU HAVE LESS THAN 20% EQUITY POSITION OR LESS THAN 20% DOWN PAYMENT DUE TO PRIVATE MORTGAGE INSURANCE


FHA:
580 for a 3.5% down payment
500 for down payments of at least 10%
**MOST FHA LENDERS WILL WANT A 580 to 620 CREDIT SCORE NOWADAYS


No minimum BUT MOST VA LENDERS WILL WANT A 580 to 620 CREDIT SCORE
VA:

USDA:
No minimum, but with a credit score of at least 620 to 640 you could qualify for streamlined credit analysis and chances of approval goes way down if score is below 640...

What kind of credit score do I need to qualify for different first time home buyer loans in Kentucky?