{"id":3459,"date":"2021-03-22T05:00:40","date_gmt":"2021-03-22T10:00:40","guid":{"rendered":"https:\/\/nwiloanguy.com\/blog\/what-credit-score-do-you-need-for-a-mortgage\/"},"modified":"2021-03-22T05:00:40","modified_gmt":"2021-03-22T10:00:40","slug":"what-credit-score-do-you-need-for-a-mortgage","status":"publish","type":"post","link":"https:\/\/nwiloanguy.com\/blog\/what-credit-score-do-you-need-for-a-mortgage\/","title":{"rendered":"What Credit Score Do You Need for a Mortgage?"},"content":{"rendered":"<p><img data-recalc-dims=\"1\" decoding=\"async\"  src=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2021\/03\/18170459\/20210322-KCM-Share-549x300.jpg?w=358&#038;ssl=1\" class=\"webfeedsFeaturedVisual wp-post-image\" alt=\"What Credit Score Do You Need for a Mortgage? | Simplifying The Market\" loading=\"lazy\" style=\"margin-bottom: 5px;clear:both;max-width: 100%\" \/><\/p>\n<p>According to\u00a0data from the most recent <a href=\"https:\/\/static.elliemae.com\/pdf\/origination-insight-reports\/ICE_OIR_FEB2021.pdf\" target=\"_blank\" rel=\"nofollow noopener noreferrer\"><em>Origination Insight Report<\/em><\/a> by <em>Ellie Mae<\/em>, the average FICO\u00ae\u00a0score on closed loans reached 753 in February. As lending standards have <a href=\"https:\/\/www.simplifyingthemarket.com\/2021\/03\/10\/6-simple-graphs-proving-this-is-nothing-like-last-time\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">tightened<\/a> recently, many are concerned over whether or not their credit score is strong enough to qualify for a mortgage. While stricter lending standards could be a challenge for some, many buyers may be surprised by the options that are still available for borrowers with lower credit scores.<span id=\"more-44053\"><\/span><\/p>\n<p>The fact that the average American has seen their credit score go up in recent years is a great sign of financial health. As someone\u2019s score rises, they\u2019re building toward a stronger financial future. As more Americans with strong credit enter the housing market, we see a natural increase in the FICO\u00ae score distribution of closed loans, as shown in the graph below:<a href=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2021\/03\/18170500\/20210322-MEM-Eng-1.png?ssl=1\" target=\"_blank\" rel=\"nofollow noopener noreferrer\"><img data-recalc-dims=\"1\" decoding=\"async\" loading=\"lazy\" class=\"aligncenter wp-image-44055\" src=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2021\/03\/18170500\/20210322-MEM-Eng-1.png?resize=650%2C488&#038;ssl=1\" alt=\"What Credit Score Do You Need for a Mortgage? | Simplifying The Market\" width=\"650\" height=\"488\" \/><\/a>If your credit score is below 750, it\u2019s easy to see this data and fear that you may not be able to qualify for a mortgage. However, that\u2019s not always the case. While the majority of borrowers right now do have a score above 750, there\u2019s more to <a href=\"https:\/\/themortgagereports.com\/18621\/mortgage-credit-score-minimum-gina-pogol\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">qualifying<\/a> for a mortgage than just the credit score, and there are still options that allow people with lower credit scores to buy their dream home. Here\u2019s what\u00a0<em><a href=\"https:\/\/www.experian.com\/blogs\/ask-experian\/can-i-buy-a-house-with-a-700-credit-score\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Experian<\/a><\/em><em>, a<\/em>\u00a0global leader in consumer and business credit reporting, says:<\/p>\n<ul>\n<li><strong>Federal Housing Administration (FHA) loans:<\/strong> <em>\u201cWith a 3.5% down payment, <strong>homebuyers may be able to get an FHA loan with a 580 credit score or higher<\/strong>. If you can manage a 10% down payment, though, that minimum goes as low as 500.\u201d<\/em><\/li>\n<li><a href=\"https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-a-conventional-loan\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\"><strong>Conventional loans:<\/strong><\/a> <em>\u201cThe most popular loan type <strong>typically comes with a 620 minimum credit score<\/strong>.\u201d<\/em><\/li>\n<li><strong>S. Department of Agriculture (USDA) loans:<\/strong> <em>\u201cIn general, lenders <strong>require a minimum credit score of 640 for a USDA loan<\/strong>, though some may go as low as 580.\u201d<\/em><\/li>\n<li><strong>S. Department of Veterans Affairs (VA) loans:<\/strong> <em>\u201c<strong>VA loans don&#8217;t technically have a minimum credit score<\/strong>, but lenders will typically require between 580 and 620.\u201d<\/em><\/li>\n<\/ul>\n<p>There\u2019s no doubt a higher credit score will give you more options and better terms when applying for a mortgage, especially when lending is tight like it is right now. When planning to buy a home, speaking to an expert about steps you can take to improve your credit score is essential so you\u2019re in the best position possible. However, don\u2019t rule yourself out if your score is less than perfect \u2013 today\u2019s market is still full of opportunity.<\/p>\n<h3><strong>Bottom Line<\/strong><\/h3>\n<p>Don\u2019t let assumptions about whether your credit score is strong enough put a premature end to your homeownership goals. Let\u2019s connect today to discuss the options that are best for you.<\/p>\n<p>Source: New feed<\/p>\n","protected":false},"excerpt":{"rendered":"<p>According to\u00a0data from the most recent Origination Insight Report by Ellie Mae, the average FICO\u00ae\u00a0score on closed loans reached 753 in February. As lending standards have tightened recently, many are concerned over whether or not their credit score is strong enough to qualify for a mortgage. While stricter lending standards could be a challenge for [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3460,"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-3459","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 for a Mortgage?&#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-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 Credit Score Do You Need for a Mortgage?&#8212;NWI Loan Guy Blog\" \/>\n<meta property=\"og:description\" content=\"According to\u00a0data from the most recent Origination Insight Report by Ellie Mae, the average FICO\u00ae\u00a0score on closed loans reached 753 in February. 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