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"I'm sorry, Marcus," Elena had said gently. "For a standard conventional loan, we need to see at least a 620. Even for an FHA loan with a low down payment, we need to get you above 580 [1]." what credit score is needed to buy a house
The next thirty-six months were a masterclass in discipline. Marcus stopped using his credit cards for anything he couldn't pay off by Friday. He set up automatic payments so he would never miss a due date again. He took on weekend shifts at the warehouse to pay down an old, forgotten medical bill that was dragging his score into the mud. AI responses may include mistakes
It started on a rainy Tuesday when Marcus sat across from a mortgage broker named Elena. He had finally saved up what he thought was a decent down payment, his heart full of hope. Elena pulled up his credit report, and the screen flashed a number in stark red: . "For a standard conventional loan, we need to
No official minimum, but most lenders require a 580 to 620 [1].
Every month, he would log in to check his score. 585. 610. 618. It felt like watching grass grow, but he kept his eyes on the goal.
Today, Marcus stood in an empty living room filled with afternoon sunlight. The smell of fresh paint was thick in the air. He reached into his pocket, pulled out the heavy brass key, and set it on the kitchen counter. He was finally home.