High approval chances, though interest rates may be 0.5%–1.0% higher than the top tier.
Approval is difficult and costly.
Access to the lowest interest rates (starting around 8.4% p.a.), faster processing, and maximum loan amounts. 700–749 (Good): A "safe zone" for most lenders.
Minimum requirements can vary significantly based on the type of loan you choose: FHA vs Conventional Loan | 2026 Rates & Differences
Acceptable but less desirable.
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Average Credit Score Buy House Apr 2026
High approval chances, though interest rates may be 0.5%–1.0% higher than the top tier.
Approval is difficult and costly.
Access to the lowest interest rates (starting around 8.4% p.a.), faster processing, and maximum loan amounts. 700–749 (Good): A "safe zone" for most lenders. average credit score buy house
Minimum requirements can vary significantly based on the type of loan you choose: FHA vs Conventional Loan | 2026 Rates & Differences High approval chances, though interest rates may be 0
Acceptable but less desirable.
