It depends on what type of loan your are trying get and who your lender is. They also look at your overall financial situation not just your credit score. For an FHA loan you will typically need to be in the high 500's. For other conventional loans you will need to be in the 600's. Sorry, I know that is a broad range. Your credit score is just one of the items your lender will look at. The more cash you have on hand the lower your credit score can be. The less debt you have to lower your credit score can be. There are a lot of variables.
Hello. We can qualify you for a loan with a credit score as low as 580 for an FHA loan with 3.5% down. A conventional loan would require a score of a little over 620, as would a USDA loan. We also offer credit repair services and would be able to help someone get their score higher if need be.