You Don’t Need Perfect Credit to Buy a Home

📉 You Don’t Need Perfect Credit to Buy a HomeThink your credit score has to be spotless to qualify for a home loan? Think again.

🧠 Let’s Debunk the “Perfect Credit” Myth

Many future buyers believe they need a credit score over 750 to get approved for a mortgage. That’s simply not true.

Lenders look at your credit score, yes—but they also look at your full financial picture. Most buyers get approved with scores far below perfect.

✅ What Score Do You Really Need?

Here’s a quick breakdown of minimum credit score requirements:

Loan Type	Minimum Credit Score
FHA Loan	580 (with 3.5% down)
VA Loan	620 (often flexible)
Conventional	620–640
USDA Loan	640

If your score is below these? You still have options—including credit repair help and alternative loan structures.

📉 What Affects Your Credit Score?

Lenders consider:

• 📅 Payment history (most important)

• 💳 Credit utilization (keep balances low)

• 📂 Length of credit history

• 🧾 Types of credit

• 📈 Recent inquiries

You don’t need to be perfect in all categories—just strong enough overall.

🛠 Small Improvements = Big Impact

You can raise your score quickly by:

• Paying down card balances

• Disputing errors on your report

• Setting up autopay to avoid late payments

• Avoiding new credit applications before applying

Even a 20–30 point bump can improve your interest rate or qualify you for better programs.

🤝 Ready When You Are

If you’re feeling unsure about your credit, don’t stress. I can connect you with trusted lenders who can guide you through the pre-approval process—even if your score isn’t “perfect.”

No judgment. No pressure. Just guidance when you’re ready.

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Andrew Georgitsis DRE#02266192 📧 info@socalrealtyandinvestments.com 📞 866-322-5487 🌐 www.socalrealtyandinvestments.com