what is lowest credit score to buy a house

You’re happily married and ready to buy your first house, but you and your spouse both have different credit scores. So what does this mean? By now, you’re probably worrying about whose credit score is used on a joint mortgage.

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What kind of credit score you need to buy a house will depend on the lender you decide to use and the credit bureau(s) they use. Many lenders use the FICO score for mortgage loans. FICO uses your credit scores from the three big credit bureaus, Equifax, TransUnion, and Experian, to determine your credit.

Lowest Credit Score To Buy A House 2013 In addition to checking your credit scores, it’s a good idea to regularly check your credit reports to ensure that the information is accurate and complete. You can receive a free copy of your credit report . Gallery.

Check out our infographic to learn more about what qualifies as a low-risk credit score. In Canada, credit scores range anywhere from 300-900. According to TransUnion, one of our two main credit bureaus ( Equifax being the other), a score of 650 (680 in some cases) or higher is where you should aim to be for the best chances of approval.

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 · The basic FICO scores, being the FICO Score 8, uses a range of 300-850 to score you. As things apply to home credit, lenders will make sure that you do not borrow more than you can afford. A home buyer with a score above 800 is considered to be an exceptional buyer and this person ranks far beyond the national average.

So a low credit score, by itself, might not necessarily be a deal-breaker. With that being said, a higher credit score will generally improve a borrower’s chances of qualifying for a home loan in California. Related: Average score among home buyers. Let’s Talk About Your Mortgage Options. Do you plan to buy a house in California sometime soon?

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