What Credit Score Do I Need to Buy a House in Arizona?

Published on September 29, 2025

It's one of the most common questions we hear: "What credit score do I need to get a mortgage?" The answer depends on the type of loan you're applying for, but here’s a general guide for homebuyers in Arizona.

Conventional Loans

Conventional loans are the most common type of mortgage. They are not insured by the federal government. For a conventional loan, most lenders in Arizona will require a minimum credit score of 620. However, to get the best interest rates and terms, a score of 740 or higher is ideal. Borrowers with higher scores are seen as lower risk, and are rewarded with more favorable loan terms.

FHA Loans

FHA loans are insured by the Federal Housing Administration and are very popular with first-time homebuyers because of their lower down payment requirements. The FHA allows for credit scores as low as 580 for a 3.5% down payment. Some lenders may even go as low as 500, but that will require a larger down payment of at least 10%.

VA Loans

VA loans are an amazing benefit for eligible veterans and service members. The Department of Veterans Affairs does not set a minimum credit score, but most lenders who issue the loans will look for a score of at least 620. The credit requirements are generally more flexible than for conventional loans.

The Bottom Line

While these are the minimum scores, remember that a higher score almost always means a lower interest rate, which can save you tens of thousands of dollars over the life of your loan. If your score isn't quite where you want it to be, don't worry. We can provide guidance on steps you can take to improve it before you apply.