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And that’s pretty much the cutoff score for getting a mortgage. If you’re using FHA financing, then you need a credit score of 500 or higher. And in the 500 to 579 range, if you can find a lender,

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The HomeStyle loan is available from any Fannie Mae-approved lender. eligibility,” Harris says. An FHA 203(k) might be best for a borrower with so-so credit and little money to pay down since.

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It’s a process that, at best. be enough to sway the lender to match more favorable terms offered by the competition. In addition to Guttentag’s site, you can find mortgage calculators and pricing.

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