Answers to Common First-Time Home Buyer Questions: What credit score do I need to receive a home loan? The minimum credit score you need depends on the type of loan you’re applying for, the state you’re purchasing in and the lender you go with. The higher your credit score, the better interest rates you’ll receive. If you’re unsure about whether your credit score is where it should be, reach out and I can put you in touch with an expert.
