Let’s clear this up: You do not need perfect credit to buy a home. Many people think they have to wait until their score is 750 or higher. That’s not true!
As a real estate agent, I talk to people every week who are nervous about their credit. Some are even scared to reach out. But I’m here to tell you—I’ve helped people with credit scores in the 500s become homeowners.
You can too.
So… what credit score do you really need?
There are loan programs made to help people at all stages of life—yes, even with lower scores! Here are a few to know:
🏡
FHA Loan (Federal Housing Administration)
-
Minimum Credit Score: 580
-
Down Payment: As low as 3.5%
-
Great for first-time buyers or buyers working on their credit.
👉 Some lenders may work with scores as low as 500, but you’ll need a bigger down payment (usually 10%).
🇺🇸
VA Loan (Veterans Affairs)
-
Minimum Credit Score: Most lenders want 580–620
-
Down Payment: $0
-
For military veterans, active-duty service members, and eligible spouses.
👉 This is one of the best loan options available if you qualify!
🌾
USDA Loan (United States Department of Agriculture)
-
Minimum Credit Score: 640
-
Down Payment: $0
-
For homes in rural areas or small towns (you’d be surprised where qualifies!).
👉 You must meet income limits, but many people qualify and don’t even realize it.
🏠
Conventional Loan
-
Minimum Credit Score: 620
-
Down Payment: Starts at 3% (higher for lower scores)
-
Best for buyers with higher scores and steady income.
👉 If your score is close to 620, you may still qualify with the right help.
The Truth: You’re Not Alone.
Many people delay buying a home because they feel embarrassed about their score. But guess what? Your score can be fixed. And you don’t have to do it alone.
I work with credit professionals and loan officers who know how to help you build your score while also moving forward with your home plan. Sometimes, it’s just a matter of paying off one small account or updating your credit report.
So, What’s Next?
📲 Text “CREDIT” to 601.927.4994 and let’s talk.
No pressure. No judgment. Just a plan.
Let’s look at where your credit stands, what help is available, and what steps you can take—right now—to start your homeownership journey.
You don’t have to wait until your credit is “perfect.” You just need to start.
