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Conventional loans are those issued by a lending institution to a borrower. Generally speaking, borrowers should have a âbare minimumâ credit score of 620, but ideally you should have a score closer to the 740 range, according to a Bankrate publication. FHA loans are different from conventional loans in that they are backed by the Federal Housing Administration.
Although thereâs no exact or specific credit score requirement, if you want to buy a house now or in the near future, you should have a credit score thatâs at least in the 620 range. But a 720 score or higher is ideal. Does that 720 score guarantee that your loan will be approved? Absolutely not.