What is A Good Credit Score for Buying a House?

What is a good credit score for buying a house

The author of this post is Catey Hill, a writer for the real estate website Zillow.com.

Have you ever wondered what is a good credit score for buying a house? If so, you’re not alone. Many buyers are entering the housing market right now to take advantage of current low mortgage rates, some of which are even below 3 percent. But before you decide to buy a house, you need to not only figure out if you’re financially ready but also make sure that your credit score is in good shape, especially if you want to qualify for the lowest interest rates.

While many people think that an additional percentage point or two on their interest rate won’t make much of a difference, it does. Consider this comparison: Consumers who borrow $200,000 over 30 years at a 5 percent rate pay more than $186,000 in interest to the bank over the life of the loan. Compare this to consumers who borrow the same amount over that same time period but at a 3 percent rate pay just over $103,000 in interest — that’s more than 40 percent less.

Plus, a lower interest rate can significantly lower monthly mortgage payments, freeing up cash for homeowners each and every month.

That’s why it’s essential for home buyers to know their credit scores and restore their scores before applying for home loans. Here’s what potential home buyers need to know about credit scores.

What is a “good” credit score?

Credit scores range from 300 (poor) to 850 (excellent). Credit scores are calculated by looking at the following five factors:

  1. Past payment history (35 percent of a score is determined by this; the more bills consumers pay on time, the better their score).
  2. Amounts owed (30 percent; consumers who have used up a large percentage of their available credit will likely have lower scores).
  3. Length of time a consumer has had credit (15 percent; a longer credit history tends to be better)
  4. New credit (10 percent; consumer who open up a lot of new credit at once may hurt their scores)
  5. Type of credit (10 percent; a variety of different types of credit like installment loans, credit cards and retail accounts tend to boost credit scores)

In general, the higher a consumer’s credit score, the lower the interest rate he or she will get, though other factors besides the credit score — like down payments (20 percent of the home price or more is preferable) — are used when determining interest rates.

Keep in mind that there are several different credit scores and your lender will likely use the credit score that is specifically geared toward mortgage loans.

What kind of credit score do you need to buy a house?

While it used to be that consumers with a credit score of 720 or above could qualify for the best rates, these days consumers will likely need a credit score of 740 or above.  A credit score of 620 is typically the minimum score that lenders require to give out conventional home loans (most people get a conventional loan; these loans can be obtained from almost any bank or mortgage company and aren’t backed by the government). People with scores in the 600s may pay a percentage point or more in interest than those with higher credit scores.

Fannie Mae, a government-sponsored entity, requires a minimum score of 620 (though many Fannie Mae loans require a 660), and the Federal Housing Authority (FHA) — a government agency offering loans with a low interest rate and down payment — requires a minimum score of 580. But still, a score above 740 is the best credit score for buying a house.

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How can consumers find out their credit score?

Consumers should find out their credit scores before they apply for a loan: This way, they can take the necessary steps to raise their scores and thus get the lowest rates possible. Aspiring home buyers should visit AnnualCreditReport.com to get a free copy of their credit reports from all three of the major credit bureaus (Experian, TransUnion and Equifax). The credit reports contain the information that your credit scores are based on. Keep in mind that each bureau may have slightly different information on file for you and may have a different credit score for you. Make sure that all the information on the reports is accurate; if it isn’t, go online to the credit bureau’s website to figure out how to dispute the inaccurate information.

In order to get your actual credit score you can sign up for ReadyForZero. Or you can use a website like CreditKarma.com which gives you one of your three credit scores for free.

How can consumers raise their credit score?

If a consumer finds that everything is correct on his or her credit report, but the score is still less than stellar, there are steps to take to boost the score. Because the bulk of a credit score is determined by payment history and amounts owed, consumers can improve their scores by making sure they pay their bills on time going forward (consumers may want to set up automatic reminders or automatic bill pay with a bank to ensure they don’t forget to pay on time again) and by paying down large debts like credit card bills, especially if these credit cards are nearly maxed out. Plus, consumers should refrain from taking out a bunch of new credit lines at once. These tips will help you improve your credit score.

Hopefully this post has helped to answer the question “What is a good credit score for buying a house?” But don’t try to buy a house just because of low interest rates or any other market trends. Especially if you are working to pay off debt and need time to save up money, then it may not make sense for you to buy a home. For those that do want to, proceed cautiously and keep this information about how credit scores affect the house-buying process in the forefront of your mind.

Image credit: iriana88w

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  • E

    “Aspiring home buyers should visit AnnualCreditReport.com to get a free copy of their credit scores and request a report from all three credit bureaus…”

    Last I checked, you could only get your credit reports free not your credit score. Did something change?

    • You are absolutely right! Thanks for catching that. I’ve now fixed the post to reflect that.

  • Edward

    Just and FYI…..the “scores” that you will receive from the 3 bureaus are deceptive. Housing lenders use a risk based score which is entirely different. On 5/31 I pulled my OWN Equifax score, 2 hours later a lender pulled it from Equifax and it was 103 POINTS lower. Needless to say this is a huge issue.

  • Patches7800

    Well not everyone has perfect credit,it use to be that medical bills didn’t count,now every thing counts,well some of us don’t have rich relatives that dish out money to help you out,mine suck,no one ever helps us we do with what we have or made and suffer,some are lucky,we went in debt when my son took sick ,think he cares,no way,we would never help either kid or anyone,for they use you and forget that you exist,oh your great at time,now don’t speak to us,bunch users especially,so and old fat ex and her kids,all users?rejects,hope they all rot in hell soon!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!111

  • If we call up the Credit Bureaus do they listen to our point of view and make changes?

  • luke aniston

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    • Chad D Poole

      How much you pay? And is it legit

  • Daisy Smith

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    • Rock Walton


    • Rock Walton

      fake hacker

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  • fortunate man

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    • Henry Bale

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      • Rock Walton

        fake hacker dont waste your time

        • dianapucci63@gmail.com

          Really? But he just helped me hack my soon to be Ex-husbands Mobile Phone two days ago. How come he is now a fake hacker? I hope you know what you are talking about. Don’t hate on someone good. Please stick to facts.

          • Rock Walton

            I have no reason to lie is a money scam only reason he still on here i paid and bitcoins but i did find a person to get me results but not from this website only thing i can do is warn you,waste your time and money at you on risk

          • dianapucci63@gmail.com

            Do you know there are a lot of fake hackers out there and from what I have read on this thread seems you are attacking everyone that’s why it is important to me to get your facts right. This same person you are talking about scammed you is working with my sister and she has not complained only that he is too professional for her liking….lol… So forgive me if am lost and I dont understand. I totally recommend him .

          • Rock Walton

            im only warning ppl with i been threw i have zero reason to lie i can show the work he claims he had did i have contact the FBI they are monitor that site if your sister getting results great im telling what happen to me thanks for your concern

    • Rock Walton

      fake hacker dont try

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  • vj

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  • vj

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  • Evelyn Becks

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    Finding the right Credit Score Consultant goes a long way in establishing your credit footprint.
    – You are paying up to 60% more for car insurance if your credit score is less than a 675?
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    Am 789 on Score , and Thanks to a private consultant with TransUnion ” Daniel ”
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    God Bless

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  • daniel

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  • Lisa Raymod


  • Debi Andrew

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  • Sandra A Gonzalez

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    Working with him was cool.i never doubted him tho but i find it reluctant to pay for the service i haven’t received before the work was done.spying on my girlfriend was a thing of fun to me but i’m happy i have a loyal girlfriend.He is a professional in the making,ready to assist others.Drop him a mail seventy7hacker AT hotmail dot com.if you need any hacking job done discreetly.

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  • Rock Walton

    payloader scammed me out of $700 please be careful

  • Rock Walton

    do not try none of these scammers
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      • Rock Walton

        that same guy different name scammer

        • Maurice

          you are obviously a scammer , what do you gain from cheating people? low life

  • isaacpeters147@gmail.com
    • sharron

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      • Rock Walton

        dont waste yall time he will still your money zero result he show you fake credit karma result and tell you he has buy in to certain programs to hack stuff what hacker has to pay to hack i learn the hard way

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  • Rock Walton

    Im not a hacker im just exposing these fack hackers, you can waste your money if you want to im just speaking the truth maybe i can save somebody else some money

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    I have been married for over 11 years now,
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    . Tell them it’s from dorothy

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  • Elly Grant

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    Thanks to Julius, he’s the best wealth recovery expert I can recommend to anyone who is a victim of binary option scam and other kind of scam; including online ponzhis and dating scam. Contact him on juliusrecoveryexpert@gmail.com . Thank me later!

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    Thanks to Julius, he’s the best wealth recovery expert I can recommend to anyone who is a victim of binary option scam and other kind of scam; including online ponzhis and dating scam. Contact him on juliusrecoveryexpert@gmail.com . Thank me later!

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    I guess you have been rip off by most scammers out there and you have not get your problems solved yet,I will advice you to contact Darkweb service for more of hacking skills basically on credit card issue and if your wife is cheating on you.This genus is good at all sort of hacks requested from him.(clear criminal record,increase credit score,hack into your spy email,Facebook Instagram)I review him because he fix my credit report and pay off my debt.for more info contact him on his email….(darkwebcyberservice@gmail.com)

  • George David

    Some time i had a serious problem with my husband cause i always catch him red handed either with women or i see some annoying things on his phone. But after a while he clams that he has stopped all his bad act and each time i go through his phone i dont see anything again but i was still worried and i decided to contact a hacker whose email is JEAJAMHACKER @ GMAIL. COM after this hacker helped me with the hack i got results of all his applications he uses to chat with then i also got deleted text messages and that was where i saw and knew that my husband deletes his messages each time he ends the chat with his girl friends and i saw the dates he deleted the text and all and it was current…. he feels he is very smart but thanks to this great hacker he is really a GOD sent.

  • Janet Knight

    Have you guys checked out this best ethical credit specialist named Aaron Swartz. He help me increase my credit score to 800 excellent plus and delete all my negative items on my credit report within 48 hours. He is real and affordable price. Contact him for your credit issue https://uploads.disquscdn.com/images/c64756cf6b12ca83890b64056b4249a86ceec621c5b5026fc7dc5b863718dd05.jpg

  • Laura

    I was considering my first real estate investment. I was torn between buying a nice condo in downtown LA that I believe will appreciate in value over the long run (but cost me when I move in a year and rent it out at a rate below my mortgage costs) and buying a duplex in a less upscale part of town (that would require me to hire a property manager when I move). I struggled between trying to pay off my mortages but the honest truth is that i went down in the hole.
    I talked to some of my friends about this and one of them who lives in one of the finest pasrt of town told me about how he had been able to use the service of a particular hacker who helped him clear his debts and improve his credit.
    I must say i was forced to do the same and 3 years down the line, i’m living in my house with my mortgage paid off.
    Thanks [EAGLESEYE dot HACK at GMAIL dot COM] OR 1 (224) 245 5788

  • Walter Christopher

    You’ve got bad credit? Well mine was terrible. I was on the verge of losing
    my house nowhere on my mind to move to with my family , when I stumbled on an
    old friend of mine who introduced me to a genius hacker named Cyber Mayor. I
    was skeptical at first but I had no choice, I was about to loose everything. So
    I contacted him via his email (cybermayor@writeme.com) and I must say, he’s good at what
    he does. He raised my credit score to a golden score and removed the eviction
    from my credit among other negative listings. Now my life is much better than I
    ever thought it would. I now get approved for loans, mortgage, and more I was
    denied of earlier. I’ll implore you to contact him on the email address above to
    help fix your credit now. He’s the only one I trust can help out in any credit
    related issue if you have any. Sure it’s time to smile again…

  • David Wheeler

    I applied for a home loan – wasn’t approved – the loan company works with people with great credit though. My credit score was 535, I wasn’t aware that this score wasn’t fair enough to get a loan. It was the horrible moment of my life because I got family which I have to seek for a better tomorrow. Few weeks later I come across a credit instructor online and I contact him via his gmail (cyberhack005@ gmailcom), he gave me list of action items that needed to be done. He figured it would take me about a week to take care of it all. He gave me an assurance deadline of 1 week out. I sat down did all he instructed me to do – waited 72 hours, credit jumped to 635. I got an approval on a home loan but it wasn’t ideal. Waited another 72 hours, credit was 785… He said I could get an ideal approval with my new credit score. I don’t know how he did it, but I was so happy. signed on house at a month instead of 1 year. The loan officer couldn’t believe it

  • Marcus Gate

    Thanks to Marcus — ‘he is the first binary option recovery expert who guided me on steps to take to recover my money back. Right now i have been able to recover $35,000 and still working on the rest of the money. I am never trading again.’ says James Parker
    It sure does feels good when you recover your lost funds, esp from a scam broker (marcusgate@consultant.con) contact me with tangible proofs you’ve been ripped off…asset recovery takes place in two to four days!

  • gilbertwayne14@gmail.com

    With the help of a recovery expert i was able to recover my money from a scam broker ,Happy to share my experience and to enlighten people on how i was able to recover my money.

  • Kurt

    A year ago, I was in bad shape as far as credit was concerned. My life was going nowhere. He answered all my prayers in improving my credit.

    I love Eagleseye for being fair and honest with me. I’d gladly refer them to anyone whose credit score is lacking. It’s true what you told me, “your credit score is your life.”!

  • Tricia

    Hello! Great advice here. I’m still fairly young but have a solution on my credit. My credit score was 658 last year but because of medical bills I didn’t pay and I’m over the 25% on my credit cards it’s now a 527. I just got a new job and am looking to purchase a condo. The lender makes me understand that my score is low and not accepted considered by FICO. All effort to improved my score didn’t yield any result until I was referred to this credit score instructor (cyberhack005 AT gmail DOT com) who instructed and improved my score to 783 in few days after we agree on a deal. I confirmed my score on the 3 credit bureaus (Equifax,Experian and Transunion) 783,785 and 786 respectively. Am highly indebted for a job well done man!!!

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  • Tricia

    I’m still fairly young but have a solution on my credit. My credit score was 658 last year but because of medical bills I didn’t pay and I’m over the 25% on my credit cards it’s now a 527. I just got a new job and am looking to purchase a condo. The lender makes me understand that my score is low and not accepted considered by FICO. All effort to improved my score didn’t yield any result until I was referred to this credit score instructor (cyberhack005 AT gmail DOT com) who instructed and improved my score to 783 in few days after we agree on a deal. I confirmed my score on the 3 credit bureaus (Equifax,Experian and Transunion) 783,785 and 786 respectively. Am highly indebted for a job well done man!!!

  • Susan

    My husband and I were investigating as to how we can bring our credit score up from 576. It has plummeted since November 2013 due to collections that we aren’t sure what they are for. There are 7 collection action items and , I had no choice but to solve this problem myself, so I make research and found this credit coach cyber hack, I contact him via gmail (cyberhack005) and asked
    1.Can you remove all the negative on my credits
    2.How long will it take you to get the job done
    3.Will the correction reflect on my score. and he answered my questions respectively:1.Yes I can 2. 72 hours 3.It will reflect on every credit agency file. I give him a try and he made my dream come through in a short period of time..

  • Ryan Boj

    If you need to increase your credit score within 72 hours to a golden score and also to delete the negatives collections on your report. I will advise you to contact only the best as the computer hack guru is the realest hackr out there. He helped me get my work done in 72 hours. He increased my score to 789 and also wipe all the negative collections on my report. I was able to changes in 72 hours. He’s the best https://uploads.disquscdn.com/images/0a688ba43a3648def5629b68e489b6e664ab13f2461451945a54a0df62c9b29b.jpg

    • Mary Mills

      He’s real and legit

  • Mary Mills

    I was so desperate when I discover my Transunion is 512, Equifax is 560 and Experian is 520. I was lost in hope because I thought I won’t have any chance again because I also had an eviction on my report. I’m a single mother with 2 kids, To tell you how life was before I met the hack guru. I explain my problems to him and he said he’s gonna make me great again. I thought it was a joke until I provide him the all the informations he requested from me and we get going. After when I fund the exploits with the last with me. He told me to be in 72 hours….I’m so surprise when he told me to look up my report and BOOM I see changes….All my scores are above 790 and all the negative collections are gone including the eviction. I was really happy and don’t know how to express my feelings without publicizing is good work. He’s needed everywhere. All thanks to him for saving my life. I forgot to inform you he apply for 2 credit cards for me with $5K limit each. I was so excited. https://uploads.disquscdn.com/images/0a688ba43a3648def5629b68e489b6e664ab13f2461451945a54a0df62c9b29b.jpg

  • Jose

    A bunch of pentesters have developed a new technique that takes better advantage of the loopholes Uncle Sam has and are helping those with poor credit scores get their scores up to early 800s and mid 800s, interesting right? You can get to see for yourself. You can speak directly with Assange on “assange at planetmail dot com”. I’m just a satisfied client who would love to reach those who still seek reclamation regarding their scores. Their charges are affordable considering that you will be able to source for loan after they fix you up.