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Conventional Mortgages If your credit score is solid most lenders consider FICO Scores of 740 or higher to be excellent ones you'll usually be able to qualify for a conventional loan with a low down payment requirement and low interest rate.
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For many lenders a credit score of 640 and above opens up the most loan options including FHA and conventional loans However to qualify for the best loan program and the lowest interest rates you'll need a score above 700.
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