How Do You Qualify To Buy A House ◆

Neither has a strict government-mandated minimum, but most lenders look for at least 580–640 . 2. Income & Employment

Your credit score is often the "door opener" for a mortgage. While 620 remains the standard baseline for many programs, options exist for those with lower scores: how do you qualify to buy a house

Extremely accessible, allowing scores as low as 580 with a 3.5% down payment, or even 500 if you can provide a 10% down payment. Neither has a strict government-mandated minimum, but most

Lenders need to verify that you have a steady, reliable source of funds to make your monthly payments. Neither has a strict government-mandated minimum