There's a stubborn myth that you need a 700+ score to buy a home. You don't. A huge share of buyers close every year with scores below 700 — the key is choosing the right program and making a few smart moves first.
You have real options under 700
- FHA — built for exactly this; workable well below 700, even into the 500s with a larger down payment
- VA and USDA — flexible on credit for eligible buyers
- Conventional — possible in the 600s, though pricing improves as your score climbs
Quick wins before you apply
- Pay down revolving balances — utilization is a big factor
- Don't close old accounts (length of history helps you)
- Dispute genuine errors on your report
- Avoid new credit applications right before buying
Sometimes a focused 30–60 day plan moves your score enough to unlock better pricing — or qualifies you outright. I'll look at your credit and tell you whether to buy now or make a couple of moves first.
Let's look at your credit together
No judgment, just a plan. Reach out and I'll give you an honest read on where you stand and the smartest next step.
This article is general education, not a commitment to lend or an offer of credit. Program availability, terms, rates, and qualification guidelines vary by lender and are subject to change; all loans are subject to underwriting and final approval. Market figures are approximate and change over time. For guidance specific to your situation, reach out directly. Garrett Potz, NMLS #631592 · Affinity Home Lending, Company NMLS #1181151 · Equal Housing Lender.