Meeting Your Needs with Hometown Flair

Credit Scores

  • 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.