What Credit Score Do I Need to Buy a House in Texas?

The short answer

There is no single credit score for buying a house in Texas. Minimums depend on the loan program and the lender, and some programs are friendlier to lower scores than others.

How scores generally play out

• Conventional loans: Often favor stronger credit, and better scores can mean better terms.
• FHA loans: Designed with more flexible credit guidelines.
• VA and USDA loans: Guidelines vary by lender, so ask what they require.

Lenders can set their own minimums on top of program rules, so one lender may say yes where another says not yet.

What else lenders look at

1. Your payment history, especially recent months
2. How much of your available credit you are using
3. Your debt compared to your income
4. Savings for down payment and reserves

Related reading: FHA Loans in Texas: Who Qualifies and How It Works

Frequently asked questions

Can I buy a house with a low score?

Sometimes, depending on the program and your full financial picture. A quick conversation can show you where you stand.

Should I wait to apply until my score improves?

Not always. A broker can review your credit and give you a plan, whether that is applying now or a few focused months of prep.

Call us at (469) 414-5554 or visit mohavemortgages.net/home-texas.

By Kelly Welton, Mortgage Broker (NMLS #314183), Mohave Mortgage Texas Branch. Mohave Mortgage NMLS #1830581 · Texas Branch NMLS #2690682 · Equal Housing Opportunity. General information only, not a commitment to lend or financial advice. Programs, rates and guidelines vary and change.