Home Buying in Dayton>Question Details

Brittcobb20, Home Buyer in

Can I get a USDA home loan with a 608 and 610 credit score in Dayton, TN?

Asked by Brittcobb20, Mon Nov 5, 2012

Help the community by answering this question:


620 is where you need to be.
0 votes Thank Flag Link Fri Sep 13, 2013
Hi Brittcobb20,

Unfortunately no. Lenders require at least a 620 or better middle credit score for a USDA mortgage.

The good news is you're not that far off. You need to have your credit report reviewed by a mortgage professional to see what can be done to get your scores up in a short period of time.

Please feel free to contact me for more information or help. You can also find info on my USDA Mortgage website by clicking the link below.

John Burke
Senior Mortgage Banker
Peoples Bank & Trust
0 votes Thank Flag Link Wed Nov 7, 2012
You should start be meeting with a local and trusted loan officer who works with USDA loans, they can prequalify you at no cost and let you know after looking at your credit AND your financials. They can outline the requirements of the program and what you need to do to get started.
0 votes Thank Flag Link Mon Nov 5, 2012
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