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Type of Loan. Minimum Credit Score. Conventional. 620. Jumbo. 700. FHA. 580 (or 500 with 10 percent down) VA. 620 (VA doesn’t require a minimum credit score, but lenders do)
Key takeaways. Getting a mortgage can cause a temporary dip in your credit score. But consistent, on-time mortgage payments will cause your credit score to rebound, and even improve over time.
Getting preapproved for a mortgage usually means undergoing a hard credit pull, which causes a dip in your credit score. While soft credit check mortgage preapprovals are hard to come by, a ...
Check your credit score: Check your reports and score well before applying for a mortgage. When you review your score, you’ll see a list of the top factors impacting it, which can tell you what ...
The FICO Mortgage Score and FICO Score XD 2 are between 300 and 850. [19] [20] Higher scores indicate lower credit risk. [21] Experian classifies FICO credit scores lower than 580 as very poor, 580–669 as fair, 670–739 as good, 740–799 as very good, and 800–850 as exceptional.
The credit scores you can check for free generally aren’t the ones that mortgage lenders use, but can still be helpful in giving you a sense where you’re at.