There's no single credit score that guarantees a mortgage. Each loan program sets its own guidelines, and lenders look at your full financial picture — not just one number.
What is a good credit score to buy a house?
Higher scores generally unlock more loan options and better pricing. But many buyers qualify with scores below what they assume is required — FHA loans in particular are known for flexible credit guidelines.
Can you buy a house with less-than-perfect credit?
Often, yes. Government-backed programs such as FHA, VA and USDA were designed with flexibility in mind, and some lenders consider non-traditional credit history, such as utility payments, for certain programs.
What else do lenders look at?
Beyond your score, lenders review your income and employment, your existing monthly debts, your down payment and savings, and your payment history.
How can you strengthen your credit before applying?
Pay bills on time, keep credit card balances low, avoid opening new accounts before applying, and check your credit reports for errors. Small improvements can meaningfully change your options.
General educational information only. Not financial advice or a commitment to lend.