What Credit Score Do You Need
Many buyers worry that their credit score is too low to buy a home. While credit does matter, there is no single score that applies to everyone.
Credit Scores Are Used as a Guide
Lenders use credit scores as one part of a larger financial picture. Your income, savings, and overall financial habits also play a role.
Different Loans Have Different Expectations
Some loan programs allow more flexibility with credit, while others expect stronger scores. This is why many buyers explore multiple loan options instead of focusing on a single number.
Why Your Score Affects More Than Approval
Your credit score can influence interest rates and loan terms, not just whether you qualify. Improving your score can sometimes improve affordability, even if you already qualify.
What Comes Next
Explore more guides in the Learn Hub or try the Home Readiness Check™ to see how prepared you are for buying a home.