It is always to your benefit to better your credit score as Interest Rates take credit score into consideration: the better the credit score the better the interest rate you will get.
Also most lenders have a minimum credit score that is required to get a home loan. Often this minimum is between 620 and 640 but you would have to contact a local lender to verify what their minimum FICO score required is. It also depends on the type of loan: VA, FHA or Conventional. I encourage you to contact a reputable lender to discuss your options. Hope this helps!
Amy O'Rear, REALTORÂ®
2680 S. Val Vista Dr, Suite 101
Gilbert, AZ 85295
Touch base with a lender in the area you're looking and see what opportunities an improved credit score can bring - maybe there's a buying opportunity that those few extra points would open the door to. Press on and keep striving for that goal of buying a home!