Mortgage with a 580 credit score
580 is the FHA 3.5%-down threshold and the floor where mainstream mortgage options begin. Conventional loans are generally out of reach, but FHA, VA (with lender overlays), and select non-QM programs are in play.
FHA Loans at 580
Can you get an FHA loan with a 580 credit score? Yes, 580 is FHA’s 3.
What changes ›Conventional Loans at 580
Can you get a conventional loan with a 580 credit score? Generally no, here’s the 620 threshold, what blocks approval, and the FHA path instead.
What changes ›VA Loans at 580
VA loan with a 580 credit score: the VA sets no minimum, but lender overlays do.
What changes ›Bank Statement Loans at 580
Bank statement loan with a 580 credit score: why most programs start at 620, what exceptions exist, and the realistic path forward.
What changes ›DSCR Loans at 580
DSCR loan with a 580 credit score: why most DSCR lenders start at 620–640, exceptions, and realistic alternatives for low-score investors.
What changes ›USDA Loans at 580
USDA loan with a 580 credit score: the 640 automated threshold, manual underwriting path, and what it takes to get approved.
What changes ›First-Time Homebuyer Loans at 580
First-time homebuyer with a 580 credit score: FHA 3.
What changes ›See what you qualify for
It takes about two minutes and does not affect your credit score. A licensed loan officer reviews every request.