If you're afraid your credit might not qualify — you're not alone. This is the #1 silent fear of first-time buyers. But here's what most people don’t understand: Different loan programs have different credit requirements.

Does Your Credit Score Qualify for a Mortgage?

This is one of the biggest fears buyers have.

“Is my score high enough?”

The answer depends on:

• The loan program
• Debt-to-income ratio
• Compensating factors
• Overall credit profile

Different programs have different minimums.

Minimum Credit Score Guidelines (General Ranges)

• FHA: Often 580+ (sometimes lower with conditions)
• Conventional: Typically 620+
• VA: Flexible (lender overlays vary)
• USDA: Often 640+ preferred

But score alone isn’t the full picture.

What Lenders Actually Look At

Mortgage underwriting evaluates:

• Payment history
• Credit utilization
• Debt ratios
• Collections and disputes
• Stability

One person with a 660 score may qualify easily.
Another with a 660 may not.

It depends on structure.

Why You Should Explore Before Your Credit Is Pulled

Pulling credit too early:

• Can impact your score
• Can trigger lender solicitations
• Can pressure you into one option

LoanBot™ lets you explore possibilities first.

Understand:

• Program flexibility
• Payment range
• Down payment options
• Assistance eligibility

Then decide how to proceed.

Education First. Application Second.

Before you let someone pull your credit…

Download LoanBot™.

See what programs may fit you first — then walk into a lender conversation informed and confident.