Which loans fit my score?

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Usually fits at this scoreConventional, FHA, VA, USDA

Each loan type is below, with why. VA and USDA set no minimum score.

ConventionalUsually fitsGood pricing; a few points higher can still lower your cost.
FHAUsually fits3.5% down at 580 and up.
VAUsually fitsVA sets no minimum credit score. Lenders can set their own, and they differ, which is where a Mortgage Broker who compares lenders helps.
USDAUsually fitsUSDA sets no minimum credit score. Its automated system weighs the whole file, and files it does not accept can be underwritten by hand.

These are general patterns, not approvals. Income, debts, savings and the home also matter.

Choose your approximate credit score and see which loan types usually fit, and why.

How this tool works

Each light follows the program's own rule, not a lender's.

FHA: scores from 500; 580 or higher for the lowest down payment, and 500 to 579 with 10% down. HUD Handbook 4000.1
VA: VA sets no minimum credit score. Lenders can set their own, and they differ, which is where a Mortgage Broker who compares lenders helps. 38 CFR 36.4340
USDA: USDA sets no minimum credit score. Its automated system weighs the whole file, and files it does not accept can be underwritten by hand. USDA HB-1-3555, Chapter 10
Conventional: Fannie Mae removed the fixed minimum score for its automated approvals in November 2025. Lenders can set their own minimums, and pricing improves as scores rise. Selling Guide update, November 2025

These are the programs' rules, not approvals: income, debts, savings and the home also matter.

Your Mortgage Plan starts with a conversation, and Daniel orders your credit report only with your permission, when you are ready to move forward.

Does checking my score here affect my credit?

No. This tool asks for a range you already know. Nothing is pulled or recorded.

Daniel builds your Mortgage Plan from what you tell him: every loan option that fits, side by side.

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