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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.
*FHA requirements state that borrowers must have a minimum credit score of 580 to qualify for an FHA Loan with 3.5% down. Having a 580 credit score does not guarantee FHA loan approval. A 600 credit score is more likely to qualify for a mortgage.