What Mortgage Loan Is Best for My Credit Score in Kentucky

 

What Mortgage Loan Is Best for My Credit Score in Kentucky?

One of the most common questions I get as a Kentucky mortgage broker is: “Which home loan can I qualify for based on my credit score?” Whether you're a first-time homebuyer or simply exploring your options, your credit score plays a critical role in which loan programs you’re eligible for. Here’s a simple breakdown that compares FHA, VA, USDA, and Conventional loans.

🏦 Loan Options by Credit Score

Use the infographic below to see where your credit score aligns with each loan program:

Mortgage Loan Options by Credit Score - FHA, VA, USDA, Conventional
  • FHA Loan: Available for scores as low as 500 (with 10% down). Most lenders require at least 580 for 3.5% down.
  • Conventional Loan: Typically requires 620+ with 3-5
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