Your credit score is a major factor in determining your mortgage eligibility and the interest rate you'll receive. While traditional minimums exist, lenders now look at your full financial profile.
: Very accessible, allowing scores as low as 500 (with a 10% down payment) or 580 (with a 3.5% down payment). qualifications to buy a home
: Neither has a strict government-mandated minimum, but lenders typically look for at least 580–620 for VA loans and 640 for USDA loans. 2. Debt-to-Income (DTI) Ratio Your credit score is a major factor in