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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.
Most banks require a minimum 620 credit score, 12 months mortgage history with no late payments, and if you are a first-time homebuyer, you may be required to verify timely rental payments. Letâs delve a little deeper into the credit requirements for VA loans and what your credit score means for you.