What credit score do you need to buy a home in San Diego? Here’s what lenders look for

What credit score do you need to buy a home in San Diego? Here’s what lenders look for

This is one of the biggest concerns for buyers—and the good news is, you may qualify sooner than you think.

Here’s a general breakdown:

• 740+ → best rates and terms
• 680–739 → solid approval range
• 620–679 → still possible with higher rates
• Below 620 → may need improvement

But here’s what most people don’t realize: Your credit score is only ONE piece of the puzzle.

Lenders also look at:  

• Income
• Debt-to-income ratio
• Employment history
• Savings and reserves

The biggest mistake buyers make is assuming they don’t qualify and never having the conversation. There are often strategies to improve your position quickly.

If you’re thinking about buying—even if you’re unsure—you should know where you stand.  

Message “CREDIT” and I’ll connect you with a lender to review your situation.