Download the Made 4 More app for accurate listings—no hidden fees, no data selling. Find your dream home with confidence! 📲

Here’s a stat that might surprise you: 90% of buyers either don’t know what credit score they need—or they think they need a much higher one. So, if you’ve been holding off on buying a home because you think your credit’s not “good enough,” you might be waiting for no reason. Let’s bust some myths and break it all down.

There’s No One-Size-Fits-All Credit Score

We get it. Everyone wants a magic number. But when it comes to credit scores and home loans, there really isn’t one. Whether it’s a conventional loan, FHA, VA, or something else—different loan types have different score averages. Some buyers close with scores in the 600s. Others are higher. It’s flexible.

Lenders each have their own playbook—some are stricter, some more lenient. So, even if you’re not rocking a perfect score, that doesn’t mean you’re out of the game.

Why Credit Still Matters (Just Not the Way You Think)

Okay, yes—your credit score matters. Lenders want to know you’re not going to ghost them on payments. Your score helps determine the types of loans you qualify for, the terms, and your interest rate.

But here’s the kicker: Even if your score isn’t ideal, you could still get approved. And if you can boost your score even a little? That might mean a lower monthly payment or better loan terms. Small changes = big savings.

Want To Improve Your Score? Here’s Where To Start

Let’s say you talk to a lender and decide your score could use a boost. Cool—there’s a path forward.

Here are some simple, proven moves:

• Pay your bills on time. Every time. Even that $40 phone bill counts.
  
  
• Pay down credit cards. Keep those balances low—ideally under 30% of your limit.
  
  
• Check your credit report. Look for errors that could be dragging you down.
  
  
• Avoid opening new accounts. Too many “hard pulls” in a short time can ding your score.
  
  

These aren’t magic tricks—they’re proven habits that build trust with lenders.

Let’s Talk Strategy (Not Just Score)

Still unsure? The best way to know what you can afford—and what kind of loan makes sense—is to talk to a real human who knows the game. A great lender can walk you through your options and help you map out your next move. You don’t have to figure this out alone.

Bottom Line

Don’t let a number stop you from owning a home. Your credit doesn’t have to be flawless—it just needs to be understood. There’s flexibility, there are options, and most of all—there’s hope. You might be a lot closer to buying than you think.

Ready to get clarity?

Call or text us at 855-935-MORE and let’s map out your next move.