What Credit Score Do You Really Need to Buy a Home in Texas? "

If you’ve been thinking about buying a home in Texas but aren't sure your credit score is good enough, you’re not alone. I hear this concern from renters, first-time buyers, and military families all the time. The truth? You don’t need perfect credit to become a homeowner — not even close.

Let’s break down what credit score you really need to buy a home in Texas, the loan types available, and what you can do right now to get ready — whether you’re buying your first home, PCSing to San Antonio, or finally making the jump from renting to owning.

✅ Minimum Credit Scores by Loan Type

Here’s what most lenders are looking for based on the loan type:

• VA Loan (for eligible veterans & military families):
  ✅ 580–620 minimum — No down payment required, no private mortgage insurance (PMI), and flexible underwriting.

• FHA Loan (popular for first-time buyers):
  ✅ 580 minimum with 3.5% down
  ✅ 500–579 possible, but requires 10% down
  Great option for lower scores, recent credit issues, or limited savings.

• Conventional Loan:
  ✅ 620+ minimum — Typically for buyers with stronger credit and a solid down payment. PMI applies with <20% down.

• Texas-Specific Programs (like TSAHC or TDHCA loans):
  ✅ Often work with scores as low as 620 and offer down payment assistance for qualified buyers.

📉 What if My Score is Below 580?

Don’t panic — you still have options. If your score is in the 500s, you may:

• Qualify for FHA with a higher down payment

• Use a co-borrower or co-signer

• Work with a lender who offers credit counseling to get you "mortgage ready"

Some of my clients have come to me with a 540 credit score and bought a home within 3–6 months after following a simple, strategic credit improvement plan. It’s not magic — it’s process.

📊 Credit Score Isn’t Everything

Yes, your score matters — but lenders also look at:

• Income & job stability

• Debt-to-income ratio (DTI)

• Savings and assets

• Payment history & credit use

So while a 620+ score may unlock more options, you don’t need to hit that number before talking to a lender or agent. In fact, the sooner we talk, the sooner we can make a plan that works for you.

💥 Pro Tip: Use a Free Soft-Pull Pre-Approval

Some lenders offer a soft credit pull pre-approval, meaning it doesn’t hurt your credit score. This gives you real-time insights on what you qualify for without the pressure of a full application.

Want one? Let me know — I’ll connect you with someone local who understands VA, FHA, and first-time buyer needs.

🏁 Final Takeaway

You don’t need perfect credit to buy a home in Texas — especially if you’re a first-time buyer or military family. The best time to start is before you think you're “ready.” Let’s look at where you are today, make a game plan, and get you moving toward the keys to your own home.

If you’re in San Antonio (or PCSing here soon), I’d be honored to guide you through the process.

Ready to take the next step?
Message me for a free consult or to get pre-approved with a trusted lender — no pressure, no commitment, just honest help.