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What Credit Score Do You Need to Buy a Home?
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What Credit Score Do You Need to Buy a Home?

Barren Hill Mortgage Team·

What Credit Score Do You Need to Buy a Home in Pennsylvania?

Your credit score is one of the biggest factors in getting approved for a mortgage.

Minimum Credit Scores

  • FHA: ~580 (sometimes lower with conditions)
  • Conventional: ~620+

Why Credit Matters

A higher score means:

  • Lower interest rate
  • Lower monthly payment
  • More loan options

How to Improve Your Score

  • Pay down credit cards
  • Avoid new debt
  • Make on-time payments

Final Thoughts

Even small improvements can significantly increase your buying power.

Get Pre-Approved Today

Take the first step toward your new home. Apply online or call Andrew for a personalized consultation.

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