What credit score do I need to buy a house?

It depends on the loan. FHA loans often allow scores around 580 for maximum financing, while conventional loans typically start near 620. Scores of 740+ generally earn the best rates, but many buyers qualify below that.

Does checking my own credit hurt my score?

No. Checking your own credit is a soft inquiry and doesn't affect your score. When you formally apply, rate-shopping for a mortgage within a short window is treated as a single inquiry.

How can I raise my credit score before buying?

Focus on on-time payments, lowering card balances, keeping older accounts open, and correcting report errors. Even a few months of consistent habits can improve both your score and your rate.

Can I still get a mortgage with a lower credit score?

Often yes. Government-backed programs like FHA are designed for more flexible credit, and a slightly larger down payment can help. We'll build a realistic plan around where your credit is today.

Credit Score Guide

Your credit score and your mortgage, made clear.

Your credit score shapes your loan options and your rate, but it's more improvable than most people think. Here's how it works and how to strengthen it.

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Lenders use your credit score to gauge how you've managed borrowing. It influences which loan programs you qualify for and the interest rate you're offered, which affects your monthly payment for years.

You don't need perfect credit to buy a home. Many buyers qualify with mid-range scores, and small, deliberate steps can meaningfully improve your score and your pricing before you shop.

Quick facts

FHA (max financing): Often 580+
Conventional: Often 620+
Best pricing: 740+

Key advantages

Payment history and credit utilization matter most
You can often qualify well before reaching a 'perfect' score
Higher scores unlock better rates and lower mortgage insurance
Rate-shopping for a mortgage in a short window counts as one inquiry
A short, focused plan can raise scores in a few months

What to keep in mind

Avoid opening or closing accounts right before applying
Don't make large purchases on credit during the process
Dispute genuine errors early, as corrections take time

What builds your score

Payment history: pay every account on time, every time
Utilization: keep card balances low relative to limits
Credit age: longer histories help, so keep old accounts open
Credit mix: a healthy blend of account types
New credit: limit new applications while shopping for a home

Simple steps to strengthen it before you buy

Bring past-due accounts current and keep them current
Pay balances below 30% (ideally under 10%) of limits
Leave older accounts open to preserve credit age
Check reports for errors and dispute inaccuracies
Pause new credit applications until after closing

Frequently asked questions

Keep exploring

First-time home buyers Readiness checklist FHA loans Estimate your buying power

Not sure where your credit stands?

Let's review your profile together and map a simple plan to buy with confidence.

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This information is for educational purposes only and is not a commitment to lend or a guarantee of approval. Program guidelines, rates, and eligibility vary by lender, location, and individual circumstances and are subject to change. Please consult a licensed mortgage professional for guidance specific to your situation.