For the most part you'll need a 640 minimum credit score. Some banks out there will advertise that they'll do it with a lower score, but most the times it comes with conditions. Higher rates, perhaps they won't allow a seller concession, tighter debt to income ratios, etc.
It's best if your credit score is at least 640, because then you'll be able to shop from ALL lenders as oppose to just the very very few who do under a 640 score.
I'm always available to help you by looking at your credit and seeing what you can do to improve it right away. Good luck.
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Senior Loan Officer
STERLING NATIONAL BANK
310 Crossways Park Drive
Woodbury, NY 11797
(516) 606-9648 Cell
(631) 659-2011 Office
(516) 918-5383 Fax