You Don't Need Perfect Credit To Buy A Home

Dated: January 12 2026

Views: 28

A lot of people may think their credit score isn’t good enough to buy a home. That may be because the median buyer’s score is pretty high (775) – so people assume they need near-perfect credit. But that’s not necessarily the case. Data shows some buyers today are qualifying with scores in the mid-600s. And the median for the lowest 10% of buyer scores is 660. So, you may have more options than you think. If your credit is what’s been holding you back, take this as your sign to reach out to a lender to talk through your options.

Blog author image

Joe Moore

Feel free to look around or DM me for any information you may need. I am here to help! When I first decided to join the real estate industry over 20 years ago, I did so with the hopes of helping hom....

Latest Blog Posts

Top 5 Reasons Home Contracts Fell Through

You may see posts saying more buyers are backing out of contracts lately. But here’s the key thing to understand if you want to sell. There’s one common cause – and it’s

Read More

Nearly 3 in 10 Homes Purchased Today Are Bought In Cash

What if you didn’t have a mortgage payment on your next house? It may sound a little far-fetched. But for a number of homeowners today, it's actually happening. Nearly 3 out of every 10 homes

Read More

1 in 5 First-Time Buyers Use a Gift from a Relative To Buy a Home

If you’re a homeowner watching someone you love try to buy their first home, this is worth thinking about. Nearly 1 in 5 first-time buyers are getting a gift from family or friends for use as

Read More

Reasons To Sell This Spring

What’s the best time of year to sell? It’s a question I get all the time. One season usually rises to the top for motivated sellers: Spring. It’s the peak buying season in the

Read More