{"id":2487,"date":"2019-10-08T05:00:38","date_gmt":"2019-10-08T10:00:38","guid":{"rendered":"https:\/\/nwiloanguy.com\/blog\/what-fico-score-do-you-need-to-qualify-for-a-mortgage\/"},"modified":"2021-05-18T20:22:26","modified_gmt":"2021-05-19T01:22:26","slug":"what-fico-score-do-you-need-to-qualify-for-a-mortgage","status":"publish","type":"post","link":"https:\/\/nwiloanguy.com\/blog\/what-fico-score-do-you-need-to-qualify-for-a-mortgage\/","title":{"rendered":"What FICO\u00ae Score Do You Need to Qualify for a Mortgage?"},"content":{"rendered":"

\"What<\/p>\n

It\u2019s common knowledge that your FICO\u00ae <\/strong>score plays an important role in the homebuying process. However, many buyers have misconceptions regarding what exactly is required to get the loans they need. <\/span><\/p>\n

While a recent announcement from CNBC<\/em><\/a> shares that the average national FICO\u00ae<\/strong> score has reached an all-time high of 706, the good news for potential buyers is that you don\u2019t need a score that high to qualify for a mortgage. Let\u2019s unpack the credit score myth so you can to become a homeowner sooner than you may think.<\/p>\n

With today\u2019s low interest rates<\/a>, many believe now is a great time to buy \u2013 and rightfully so! Fannie Mae<\/em> recently noted that 58% of Americans surveyed say it is a good time to buy. Similarly, the Q3 2019 HOME Survey<\/em><\/a> by the National Association of Realtors<\/em> said 63% of people believe now is a good time to buy a home. Unfortunately, fear and misinformation often hold qualified and motivated buyers back from taking the leap into homeownership.<\/p>\n

According to the same CNBC<\/em><\/a> article,<\/p>\n

\n

\u201cFor the first time, the average national credit score has reached 706, according to FICO<\/em>\u00ae, the developer of one of the most commonly used scores by lenders.\u201d<\/em><\/p>\n<\/blockquote>\n

This is great news, as it means Americans are improving their credit scores and building toward a stronger financial future, especially after the market tumbled during the previous decade. With today\u2019s strong economy and increasing wages, many Americans have had the opportunity to improve their credit over the past few years, driving this national average up.<\/p>\n

Since Americans with stronger credit are now entering the housing market, we are seeing an increase in the FICO\u00ae Score Distribution of Closed Loans (see graph below):<\/em>\"What<\/a>But hang on \u2013 don\u2019t forget that this does not<\/em> mean you need a FICO\u00ae<\/strong> score over 700 to qualify for a mortgage. Here\u2019s what Experian, the<\/em> global leader in consumer and business credit reporting, says:<\/p>\n

FHA Loan:<\/strong><\/a> \u201cFHA loans are ideal for those who have less-than-perfect credit and may not be able to qualify for a conventional mortgage loan. The size of your required down payment for an FHA loan depends on the state of your credit score: If your credit score is between 500 and 579<\/strong>, you must put 10% down. If your credit score is 580 or above<\/strong>, you can put as little as 3.5% down (but you can put down more if you want to).\u201d<\/em><\/p>\n

Conventional Loan:<\/strong><\/a> \u201cIt’s possible to get approved for a conforming conventional loan with a credit score as low as 620<\/strong>, although some lenders may look for a score of 660 or better.\u201d<\/em><\/p>\n

USDA Loan<\/strong><\/a>: <\/strong>\u201cWhile the USDA doesn’t have a set credit score requirement<\/strong>, most lenders<\/strong> offering USDA-guaranteed mortgages require a score of at least 640<\/strong>.\u201d<\/em><\/p>\n

VA Loan:<\/strong><\/a> \u201cAs with income levels, lenders set their own minimum credit requirements for VA loan<\/strong> borrowers<\/strong>. Lenders are likely to check credit scores as part of their screening process, and most will set a minimum score, or cutoff, that loan applicants must exceed to be considered.\u201d<\/em><\/p>\n

Bottom Line<\/strong><\/h3>\n

As you can see, plenty of loans are granted to buyers with a FICO\u00ae<\/strong> score that is lower than the national average. If you\u2019d like to understand the next steps to take when determining your credit score, let\u2019s get together so you can learn more.<\/p>\n

Source: New feed<\/p>\n","protected":false},"excerpt":{"rendered":"

It\u2019s common knowledge that your FICO\u00ae score plays an important role in the homebuying process. However, many buyers have misconceptions regarding what exactly is required to get the loans they need. While a recent announcement from CNBC shares that the average national FICO\u00ae score has reached an all-time high of 706, the good news for […]<\/p>\n","protected":false},"author":1,"featured_media":2488,"comment_status":"false","ping_status":"closed","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-2487","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":"\nWhat FICO\u00ae Score Do You Need to Qualify for a Mortgage?—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-fico-score-do-you-need-to-qualify-for-a-mortgage\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What FICO\u00ae Score Do You Need to Qualify for a Mortgage?—NWI Loan Guy Blog\" \/>\n<meta property=\"og:description\" content=\"It\u2019s common knowledge that your FICO\u00ae score plays an important role in the homebuying process. 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