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2 Responses to What credit score do I realistically need to even qualify for a home loan?

1. kerryanne1963
   May 28th, 2010 at 9:23 pm

   a landline telephone gives you some points as it means the telephone company will give you credit and trust you to pay the bill
   try different places, if you get a dodgy one the interest will be very high
   have you tried your bank , ring them and ask

2. Tomek
   May 29th, 2010 at 4:37 am

   You need a FICO score of at least 620 to even be considered for an FHA loan. Conventional loans want a score of at least 720 - 740, plus 20% down and closing costs.

   The negative student loan problems could be enough to keep you from getting approved even IF you had a score in the high 700s. You may have to wait till you have 24 months of consistent, on time payments showing on the student loans.

   If you are looking for the free credit score national site, check out this site

   Here you can check your 3-in-1 Report from all three credit reporting agencies and your credit score rating for free, fast and secure.

   Hope this help,

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