{"id":2181,"date":"2019-03-19T05:00:30","date_gmt":"2019-03-19T10:00:30","guid":{"rendered":"https:\/\/nwiloanguy.com\/blog\/what-credit-score-do-you-need-to-buy-a-house\/"},"modified":"2022-11-16T14:27:36","modified_gmt":"2022-11-16T20:27:36","slug":"what-credit-score-do-you-need-to-buy-a-house","status":"publish","type":"post","link":"https:\/\/nwiloanguy.com\/blog\/what-credit-score-do-you-need-to-buy-a-house\/","title":{"rendered":"What Credit Score Do You Need To Buy A House?"},"content":{"rendered":"<p><img data-recalc-dims=\"1\" decoding=\"async\"  src=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2019\/03\/14115009\/20190319-Share-KCM-549x300.jpg?w=358&#038;ssl=1\" class=\"webfeedsFeaturedVisual wp-post-image\" alt=\"What Credit Score Do You Need To Buy A House? | Simplifying The Market\" style=\"margin-bottom: 5px;clear:both;max-width: 100%\" \/><\/p>\n<p>There are many misconceptions about the credit score needed to buy a house. Recently, it was reported that 24% of renters believe they need a 780-800 credit score to be considered for a mortgage. The reality is they are misinformed!<\/p>\n<p><span id=\"more-39243\"><\/span>Only 25% of the Americans have a FICO\u00ae Score between 740 and 800. Here is the breakdown according to <a href=\"https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-a-bad-credit-score\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\"><em>Experian<\/em><\/a>:<\/p>\n<ul>\n<li>16% Very Poor (300-579)<\/li>\n<li>18% Fair (580-669)<\/li>\n<li>21% Good (670-739)<\/li>\n<li>25% Very Good (740-799)<\/li>\n<li>20% Exceptional (800-850)<\/li>\n<\/ul>\n<p>Randy Hopper, <em>Senior Vice President<\/em> of <em>Mortgage Lending<\/em> for <em>Navy Federal Credit Union<\/em> <a href=\"https:\/\/www.bankrate.com\/finance\/credit\/low-credit-score-borrowers-get-mortgage.aspx?utm_source=twitter&amp;utm_medium=organic_social\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">said<\/a>,<\/p>\n<blockquote>\n<p>\u201c<em>Just because you have a low credit score doesn\u2019t mean you can\u2019t purchase a home. There are a lot of options out there for consumers with low FICO\u00ae scores<\/em>,\u201d<\/p>\n<\/blockquote>\n<p>There are many programs available with low or no credit score requirement. The <em>Federal Housing Administration <\/em>(FHA) now requires a minimum FICO\u00ae score of <a href=\"https:\/\/www.fha.com\/fha_credit_requirements\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">580<\/a> if you want to qualify for the low down payment advantage. The <em>US Department of Agriculture <\/em>(USDA) does not set a minimum credit score requirement, but most lenders require a score of at least <a href=\"https:\/\/www.usdaloans.com\/articles\/income-and-credit\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">640<\/a>. <em>Veterans Affairs<\/em> (VA) loans have <a href=\"https:\/\/www.vahomeloancenters.org\/va-loan-credit-score\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">no credit score<\/a> requirement.<\/p>\n<h4><strong>As you can see, none of them are above 700!<\/strong><\/h4>\n<p>It is true that the average FICO\u00ae score for all closed loans in January was 726, but there are plenty of people taking advantage of the low credit score requirements. Here is the average FICO\u00ae Score of <em>closed FHA Loans<\/em> since April 2012 according to <a href=\"https:\/\/www.elliemae.com\/mortgage-data\/origination-insight-reports\" target=\"_blank\" rel=\"nofollow noopener noreferrer\"><em>Ellie Mae<\/em><\/a><em>:<\/em><a href=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2019\/03\/15162909\/MEM-Average-FICO-Score-of-Closed-FHA-Loans.jpg?ssl=1\" target=\"_blank\" rel=\"nofollow noopener noreferrer\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"wp-image-39269 aligncenter\" src=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2019\/03\/15162909\/MEM-Average-FICO-Score-of-Closed-FHA-Loans.jpg?resize=650%2C488&#038;ssl=1\" alt=\"What Credit Score Do You Need To Buy A House? | Simplifying The Market\" width=\"650\" height=\"488\" \/><\/a>As you can see, that number has been dropping for the last seven years. As a matter of fact, the average FHA Purchase FICO\u00ae Score reported in January 2019 was 675!<\/p>\n<p>One of the challenges is that Americans are unsure about their credit score. They just assume that it is too low to qualify and do not double check. <em>Credit.com<\/em> confirmed that only 57% of individuals sought out their credit score at least once last year.<\/p>\n<p>FICO\u00ae <a href=\"https:\/\/www.fico.com\/blogs\/risk-compliance\/u-s-credit-scoring-trends-to-watch-in-2019\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">reported<\/a>,<\/p>\n<blockquote>\n<p>\u201c<em>Since October 2009, the average year-over-year <\/em><em>FICO\u00ae<\/em><em> Score has steadily and consistently increased, from a low of 686 in 2009 to the latest high of 704 as of 2018<\/em>.\u201d<\/p>\n<\/blockquote>\n<p>Here is the increase in the average US FICO\u00ae Score over the same period of time as the graph earlier.<a href=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2019\/03\/15163017\/MEM-US-Average-FICO-Score.jpg?ssl=1\" target=\"_blank\" rel=\"nofollow noopener noreferrer\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-39270\" src=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2019\/03\/15163017\/MEM-US-Average-FICO-Score.jpg?resize=650%2C488&#038;ssl=1\" alt=\"What Credit Score Do You Need To Buy A House? | Simplifying The Market\" width=\"650\" height=\"488\" \/><\/a><\/p>\n<h3><strong>Bottom Line <\/strong><\/h3>\n<p>At least 84% of Americans have a score that will allow them to buy a house. If you are unsure what your score is or would like to improve your score in order to become a homeowner, let\u2019s get together to help you set a path to reach your dream!<\/p>\n<p>Source: New feed<\/p>\n","protected":false},"excerpt":{"rendered":"<p>There are many misconceptions about the credit score needed to buy a house. Recently, it was reported that 24% of renters believe they need a 780-800 credit score to be considered for a mortgage. The reality is they are misinformed! Only 25% of the Americans have a FICO\u00ae Score between 740 and 800. Here is [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2182,"comment_status":"false","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rop_custom_images_group":[],"rop_custom_messages_group":[],"rop_publish_now":"initial","rop_publish_now_accounts":{"facebook_10157519356927224_105287467588662":"","twitter_15771620_15771620":""},"rop_publish_now_history":[],"rop_publish_now_status":"pending","_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[1],"tags":[54],"class_list":{"0":"post-2181","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-local-info","8":"tag-100-financing","9":"entry"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What Credit Score Do You Need To Buy A House?&#8212;NWI Loan Guy Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/nwiloanguy.com\/blog\/what-credit-score-do-you-need-to-buy-a-house\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What Credit Score Do You Need To Buy A House?&#8212;NWI Loan Guy Blog\" \/>\n<meta property=\"og:description\" content=\"There are many misconceptions about the credit score needed to buy a house. 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