Wondering if your credit is good enough to buy a home?
If you’re dreaming about your first house in Michigan, one of the first things you might ask is:
“What credit score do I need to qualify for a mortgage?”
The good news? You don’t need perfect credit — and many first-time buyers in Michigan are approved with credit in the 600s or even lower. Let’s break it all down so you can feel confident about your next steps.
What’s a “Good” Credit Score for Buying a Home?
Here’s how lenders generally view your credit score:
| Credit Score Range | How Lenders View It |
|---|---|
| 780+ | Excellent – best rates |
| 700–779 | Very good – strong borrower |
| 660–699 | Good – likely to be approved |
| 620–659 | Fair – may need help qualifying |
| Below 620 | Challenging – but not impossible |
The minimum credit score depends on the loan program:
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✅ FHA Loan – 580+
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✅ Conventional Loan – 620+
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✅ VA Loan – Usually 620+ (but flexible)
What If My Credit Isn’t Perfect?
That’s okay! Many Michigan buyers we help start with less-than-perfect credit. We can help you:
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Understand what’s impacting your score
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Recommend fast ways to boost it
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Get pre-approved for the right loan, not just any loan
Often, a few small changes — like paying down a credit card or correcting an error — can raise your score in 30–60 days.
️ Tips to Improve Your Credit Before Buying
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Pay all bills on time — this is #1 for credit health
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Keep balances low on credit cards
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Don’t open or close accounts suddenly
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Dispute any errors on your credit report (we’ll help you check)
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Limit hard credit inquiries (car loans, store cards, etc.)
We Can Help You Even If You’re Not Ready Yet
At JPAL Mortgage, we don’t just approve you — we coach you.
We’ll help you:
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Check your score and credit report (without pressure)
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Make a game plan if you need to improve
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Choose the best loan based on your score and goals
Many of our Michigan buyers start with credit concerns — and end up homeowners sooner than they expected.
***It’s important to note that all loans are subject to full underwriting and approval by a lender.
Let’s Take a Look at Your Score Together
You don’t need to have it all figured out before reaching out. Whether you’re ready to buy now or just starting to explore, we’re happy to talk.
Book a free call with us and let’s take the guesswork out of homebuying.
Grab your free Ultimate Credit Guide here! (downloadable PDF)
JPAL Mortgage is proudly based in Michigan, where its two owners were born and raised! We love this state and have traveled it far and wide. It’s a passion of ours to help make a smooth landing here in Michigan!
JPAL Mortgage – Your best friend in home finance.
All loans require complete underwriting approval, including satisfactory appraisal and clear title work. Interest rates and closing costs are subject to change. NMLS ID #2189752 | Equal Housing Opportunity