Many factors can impact the minimum credit score you must have to be eligible for a mortgage. What credit score do you need to get a mortgage? Here’s how your credit score can impact your ability to buy a house and the minimum credit score needed to qualify for a mortgage. The credit score requirements to buy a house can vary depending on the type of mortgage you want to get. FICO scores generally range from 300 to 850, and the higher your scores, the more favorable you may look to a lender - although they will take many other factors into account, such as your income and credit history, when making a lending decision. When you apply for a home loan, also called a mortgage, the lender will typically check your FICO Score from three credit bureaus to see if you qualify for financing.
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