This might surprise you…

You don’t need a perfect credit score to qualify for a mortgage.

If you’ve been seeing articles (and my posts) about low interest rates and wish you could take advantage, you might be more qualified than you think.

For starters, there are several different loan programs which all have different minimum requirements. For example, the credit score required for a conventional loan is higher than an FHA loan.

According to Experian, “It’s possible to get approved for a conforming conventional loan with a credit score as low as 620, although some lenders may look for a score of 660 or better.”

The best way to figure out if you can qualify for a mortgage right now is to meet with a local lender and talk about your options! If you need a referral, send me a message and I’ll point you in the right direction!