What Credit Score Do I Need to Buy a Home?
Most lenders like a minimum 620 score, though FHA allows 580 and VA loans can go lower. A higher score means better rates, so pay down debt, keep old accounts open, and avoid new credit cards before applying. Those few points can save thousands over time.
Written by Delisa Lapinsky, your trusted Rockwall and Dallas-area real estate expert.
Delisa helps homeowners across North Texas buy and sell with strategy, confidence, and ease
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