To buy a house, a is generally the minimum threshold for standard conventional loans. However, the "good enough" score depends heavily on the type of mortgage you choose and the interest rate you want to secure. Minimum Credit Scores by Loan Type
: Reducing your credit utilization can provide a quick boost.
While you can buy with a 620, a "good" score—one that unlocks better rates—is typically .
: Your ability to repay, based on income and employment history.