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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.
U.S. home buyers can now get an FHA loan with credit scores of just 580. And, as the domestic economy continues to improve; and, as U.S. housing regains lost value, it's likely that the minimum FHA FICO score will drop again.