11/01/2026
Think you need a 700 credit score to buy a home? You might be surprised by how wrong that number is.
And if you've been putting off buying because of your credit, this could change everything.
According to a recent Veterans United survey, 57% of prospective buyers think they need a credit score of at least 660 to qualify for a mortgage. And 34% believe they need 700 or higher.
But here's what many people don't realize.
The traditional benchmark for many conventional loans has been 620. And with recent changes to mortgage credit scoring, even that isn't a hard-and-fast requirement for every loan.
Plus, lenders are beginning to adopt newer credit scoring models that could help millions more Americans get evaluated for a mortgage.
So, the number you see on your credit monitoring app may not tell the whole story about your ability to buy a home.
Does that mean everyone can qualify? Of course not. But it does mean you shouldn't count yourself out before talking to a professional.
Curious where you actually stand? Send me a message, and let's connect you with a lender who can help you find out.
Creating Opportunities for Buyers Or Sellers!
📱 (956) 802-1982
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