Mortgages
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      1. Peach State FAQ Library
      2. Mortgages

      What is the minimum credit score requirement when applying for a home loan?

      Peach State will review your loan application to determine what loan products are available based on your credit score.

      As a general rule:

      • Conventional mortgages require a minimum credit score of 620
      • USDA requires a minimum credit score of 640
      • FHA and VA loan programs require a minimum credit score of 580
      If you are looking for more information be sure to check out our Mortgage page.

      For additional questions about our mortgage products, please contact our Mortgage Services Department at 770.580.6098 or mortgage@peachstatefcu.org. 

      TIPS

      • Credit scores vary between credit bureaus, so the score that you obtain on your own may be different from the score Peach State obtains. Credit scores differ based on the scoring model used and the information provided to each individual credit bureau.  
      • You can order a FREE copy of your credit report from each credit bureau each year.  Click here to order your report.
      • Need help reviewing your credit?  We’ve partnered with BALANCE, a financial education and counseling service that provides a review of your credit report FREE for Peach State members. To speak with a counselor, call toll-free 888.456.2227.