What Credit Score do you Need

If your credit score is hovering around 600, you might be wondering: Can I still buy a home in Texas? The good news is—yes, it’s absolutely possible. While a lower credit score can make the mortgage process a bit more complex, it doesn't mean you're out of options.

Understand What a 600 score Means

A credit score of 600 is considered “fair” by most lenders. It’s below the average for approved conventional loans, but there are still several loan programs that may work for you—especially with the right guidance.

Loan Options Might Include:

• FHA Loans – These are backed by the government and are more forgiving of credit challenges.

• Specialty or Non-QM Loans – Designed for borrowers who fall outside the traditional lending box.

• Down Payment Assistance Programs – Some are available to buyers with credit scores in this range.

A Few Keys to Approval:

1. Stable Income & Low Debt – Your credit score isn’t everything. Lenders look at the full financial picture.

2. Larger Down Payment – Even a small boost here can offset risk and open more options.

3. Work With a Lender Who Gets It – Not all mortgage companies treat lower-credit borrowers equally. At MPS Mortgage, we focus on helping clients find real solutions—even when others say no.

Don’t Count Yourself Out

The most important step? Talk to a lender who will take the time to explore every angle—not just plug your numbers into a system. With the right strategy, you may be closer to homeownership than you think.