You will need at least at least the middle credit score of 640 or higher to buy a house. If you’re getting mortgage loan financing, such as an FHA loan or a USDA loan, the middle credit score needs to be 640 or higher. However, if you’re going with conventional financing, and you have a down payment of 20%, a 620 middle credit score is what’s needed to purchase a house.
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RELATED MORTGAGE ADVICE FROM SCOTT SHELDON
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