UrLocal Lender Expert

Think you need an 800 credit score to buy a home?

That myth could be costing you years of homeownership.

Mortgage options vary:

✔️ Conventional: 620+
✔️ Jumbo: 700+
✔️ FHA: 500–580+
✔️ VA: No official minimum*
✔️ USDA: Typically 620+

Your credit score matters—but it’s not the whole story.

Save this for later or DM us to explore your mortgage options.

What’s your current credit score goal?