What credit score do I need to get a mortgage?
Right now, the typical minimum credit score you will need is a 620. We calculate your credit score by taking the median (middle) of your three scores. If you and someone else are applying for a loan, we will take the lower median of the two of you.
Be aware, if you are trying to pull your credit score online, there are many different types of scores that can be sold to you. What you are looking for is your mortgage FICO score. Not sure what yours is? I’ll be happy to run it for you at 240-479-7658.
Not seen your report in awhile? You can check it here for free: annualcreditreport.com.