Most conventional loans want a minimum 620 credit score, but the higher you go, the better your rate and terms. That said, the score is only part of the picture — I look at the whole file. I've placed conventional loans for borrowers who thought their credit was a dealbreaker and it wasn't. If you're in Chandler, Phoenix, or anywhere in Arizona and not sure where you stand, call or text me at (516) 250-1334 and we'll figure it out together.