Posted: 01.04.25 22:35. Title: Credit Score Needed for Southern Home Programs?

Your credit score plays a key role in qualifying for Southern Home Ownership Programs. While some programs accept lower scores, most require at least a 580 for FHA loans and 640 for USDA loans. VA loans have more flexible credit requirements, making them ideal for veterans. Improving your credit before applying can help you secure better loan terms and lower interest rates. Paying down debts, avoiding late payments, and maintaining a stable income will increase your chances of approval. Check with local housing agencies to find programs tailored to your financial situation.