For homebuyers in early 2026, an , which typically unlocks the most competitive interest rates and smoothest approval processes. While a score of 650 is generally the minimum threshold for most major lenders, borrowers with scores in the 650–699 range may face stricter scrutiny, higher interest rates, and lower loan-to-value (LTV) limits. Credit Score Ranges & Impact (2026)
Acceptable but less desirable.
Approval is difficult and costly.
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