10/20/2026
🏡 USDA HOME LOAN MYTH BUSTER! 🌾
🚨 Think you need a 640 credit score to qualify for a USDA home loan? THINK AGAIN!
Here’s something that might surprise you…
USDA does NOT have a minimum credit score requirement for its Guaranteed Home Loan Program! 👏
Yep. You read that right!
So why have you heard you need a 640?
👉 Some lenders have their own minimum credit score requirements, called lender overlays. But those are lender requirements, NOT USDA requirements!
Now, that doesn’t mean credit doesn’t matter. Your credit history, income, debts, and overall qualifications still play a role in loan approval.
💡 The takeaway? Don’t let another lender’s minimum credit score convince you that homeownership is out of reach!
🏡 Different lenders. Different guidelines. Different possibilities.
📲 Let’s talk about YOUR options!
Mortgages, but make it personal. ❤️
USDA eligibility requirements apply. All loans subject to credit approval. Equal Housing Lender.