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

      scammer

    • Rock Walton

      fake hacker

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  • fortunate man

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  • dayn

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    • Henry Bale

      I can’t find any real hacker on the clearnet. All I have seen so far are fakers that just take money. The only real hacker I found was plutomade9900@tutanota.com from the deepweb. This dude s really kicking nuts and getting task done in an instant. That’s how you know who is legit not just one that keeps asking for more money.

      • 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

    hackenginee@tutanota.com scam scam stay away from him, he will steal your money

  • vj

    to many emails for hacknoww@tutanota.com this guy don’t trust any of them, same person with different email IDs su$$$ers

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  • Kirkendall Johnston

    I saw a reference on this forum i have been scammed over and over again, I sent an email to Cryptechwhiz@gmail.com and they handled my job professionally it only took 48 hours to change my drivers licience point we are currently working on credit scores. Please be careful so many fakes out there! I would be kind enough to recommend Crypechwhiz@gmail.com

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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.
    DID YOU KNOW ?
    – You are paying up to 60% more for car insurance if your credit score is less than a 675?
    – You are paying up to 50% more interest on credit card payments if your credit score is less than 675?
    Am 789 on Score , and Thanks to a private consultant with TransUnion ” Daniel ”
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    God Bless

  • Chestnut Daniel

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  • Janie Roth

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  • Rolland Spices

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  • daniel

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  • Lisa Raymod

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  • Debi Andrew

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  • mark lincon

    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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    • Thomas

      they helped me also, really affordable service

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  • Rock Walton

    payloader scammed me out of $700 please be careful

  • Rock Walton

    do not try none of these scammers
    trust all these are fake hackers will take your money want get no results they will show you fake credit score to bait you in Lexington law takes time but they can help

    • Maurice

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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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    • garret

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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

  • Maurice

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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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  • Patricia

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    This is great!!!

    • Joshua

      At first I taught I will be rip off when I read your comment about captain spy but to my greatest surprise I I contact him and gave him a try and he dis an amazing job by increasing my score. I was so happy when I confirm it he increase my score from 538 to 780. I applied for a loan about two weeks ago and was given offered the loan as my score meet up FICO requirement. Thanks Captain spy

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    I have been married for over 11 years now,
    me and my husband met in the church many years before we started dating,
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    by getting very angry over little issues,coming home very late,
    refusing to spend time with me…
    I was then introduced to some professional hackers
    Specialhacker4u(at) gee mail (dot) C o M )
    who helped me hacked his phone’s texts and calls so I got to understand
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    access to social networks, school servers, icloud and much more,
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    . Tell them it’s from dorothy

    • whitney matt

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    If your credit is poor a friend refer me to netsolvetechnology @ g mail . com
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  • Elly Grant

    Started repairing my credit 2 weeks ago, and already more score has jumped 760 from 510..Trust me, you wont get results like this doing it yourself – just fast track your results with professionals Credit Repair..He’s the wizard everyone is talking about all over the internet..Get him on his regular COMPUTERSPYEXPERTS at GMAIL dot COM