What is the minimum credit score to get a home loan?

In this video, we break down the minimum credit score requirements for different types of mortgages—including FHA, VA, USDA, and Conventional loans—and explain how lenders, not the government, set credit score limits based on investor guidelines. We also cover what compensating factors (like residual income, job stability, and payment history) can help you get approved even if your score is below the standard. Whether you're just starting your homebuying journey or trying to improve your approval odds, this guide will give you the insights you need to move forward with confidence.

Fairway Independent Mortgage Corporation doing business as Fairway Home Mortgage.

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