Real Estate
What credit score do I need for a mortgage?
Quick Answer
You need 620 for conventional, 580 for FHA with 3.5% down (500 with 10% down), and no formal minimum for VA (lenders set 580–620). The best rates kick in at 740+ FICO.
Warren Team
Updated April 26, 2026
31
Warren Team
Updated April 26, 2026
31
Important Disclaimer:
The information provided is for educational purposes only and should not be considered as personalized financial advice. Warren is a registered investment advisor. Past performance does not guarantee future results. Please consult with a qualified financial advisor before making investment decisions.
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