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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.
To be approved for a home loan within seven years of a foreclosure, here are some loan options and things to do: FICO credit scores range from 300 to 850 and most mortgage lenders require at least a 620 to 660 score. The better the score, the more favorable the loan terms that are usually offered.