: You are a solid candidate for most loans, though you may not get the absolute lowest rates available.
To buy a house, a is generally the minimum threshold for standard conventional loans. However, the "good enough" score depends heavily on the type of mortgage you choose and the interest rate you want to secure. Minimum Credit Scores by Loan Type good enough credit score to buy a house
: Even one 30-day late payment can drop your score by 60 to 110 points . : You are a solid candidate for most
If you are just a few points shy of a better rate tier, consider these steps: Minimum Credit Scores by Loan Type : Even
: Often requires a minimum between 580 and 620 , though some lenders like Freedom Mortgage may accept scores as low as 550.
: Get a free report from Equifax, Experian, or TransUnion to dispute any inaccuracies. What is the credit score needed to buy a house? | U.S. Bank
: Your ability to repay, based on income and employment history.