What score do I need to buy a home?

Your credit score is just one factor that lenders use when deciding if, or how much, to lend to you. There are various loan types, which have different minimum scores, as well.


Lenders also have their own thresholds for lending. As an example, while you may be approved by a lender with a lower score, you are likely to get a better interest rate if your score is high enough. Your potential lender should be ready and willing to provide this information to you and explain in detail all of the lending criteria.