Ask The Realtor  /  First-Time Buyers
First-Time Buyers

Can I buy a house without perfect credit?

Yes. You don't need flawless credit — FHA loans can work with scores around 580, and other programs have their own minimums. Your score affects your rate, so improving it helps, but 'perfect' isn't required.

Far from perfect is okay. FHA loans are designed for buyers still building credit and can work with scores around 580; other programs have their own thresholds. 'Perfect credit' is a myth that keeps good people renting.

What your score really affects is your interest rate, which shapes your monthly payment for years — so it's worth improving where you reasonably can. A quick, free look with a lender will tell you exactly where you stand and whether a small tune-up first would save you money. I'm glad to point you to lenders I trust.

Mayra Cordero
Mayra Cordero
REALTOR® · Central Florida

This answer is general education, not legal, tax, or financial advice. Your situation is unique — let's talk through the specifics together.

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