Credit Scores and Mortgages
How your credit score affects your mortgage options
Last updated February 27, 2026
Table of Contents
How Credit Scores Work
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Credit Score Requirements by Loan Type
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How Your Score Affects Your Rate
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Improving Your Credit Score
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Common Credit Myths
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Find Your Rate →Frequently Asked Questions
What is the minimum credit score for a mortgage?
Minimum credit scores vary by loan type: FHA loans require 500-580, conventional loans typically need 620+, and VA loans have no official minimum but most lenders want 580+.
How much does credit score affect mortgage rates?
Credit score significantly impacts your rate. A difference of 100 points could mean 0.5% to 1% higher interest rate, potentially costing tens of thousands over the life of the loan.
How can I improve my credit score quickly?
Pay down credit card balances below 30% utilization, dispute errors on your credit report, avoid opening new accounts, and make all payments on time. Some improvements can show in 30-60 days.
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