- Work toward perfection! The goal is to get to 800.
- 700 is still pretty good
- 620 and above is just okay
- 600 to 620 is getting iffy
- 550 to 600 works for a subprime loan.
- 500 to 550, you better have a good history of making payments for at least a year.
- Below 500, you need a really big down payment...
Note: Lender credit score requirements are always changing, so don't be afraid to contact your lender and see if they can get you pre-approved for a loan.