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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.
In 2014, most lenders will require a credit score of 620 or higher for conventional mortgages. So if youâre planning to buy a house with a conventional (non-government-insured) loan, you will probably need a score of 620 or above. Again, this is not set in stone.n this article, we will focus our attention on the FICO credit score in particular. Itâs the one most commonly used by mortgage lenders. The FICO range goes from 300 to 850. Again, higher is better. A credit score of 620 or higher is typically whatâs needed to buy a house with a mortgage loan.