You are considered a "good" borrower. You'll get competitive rates but might pay slightly more in fees.
Lenders look at more than just the three-digit number. They examine your overall financial health through these lenses: how much credit do you need to buy a house
Minimum 580 with a 3.5% down payment; 500–579 may be accepted with a 10% down payment. You are considered a "good" borrower
If you aren't quite at the "magic number" yet, follow these steps to polish your profile: how much credit do you need to buy a house
This measures how much of your monthly income goes toward debt. Most lenders prefer a DTI below 43%.