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What’s a “Good” Credit Score to Buy a Home?

What's a Good Credit Score to Buy a Home

If you’re like many people, you already know that the higher your credit score is, the better terms and rates you’ll qualify for when you want to buy a home.

But what is a “good” credit score, and what can you do to boost yours?

What’s a “Good” Credit Score to Buy a Home?

Credit scores can range from 300 – that’s the low end – to 850. The latter number is considered a perfect credit score. However, you don’t have to have perfect credit to qualify for a home loan.

Generally, a good credit score ranges between 700 and 749. Scores between 650 and 699 are considered fair, and any score lower than 650 is considered poor.

435 Beachfront Trail
$3,350,000
  • 5 Bedrooms
  • 6 Bathrooms
  • 4,700 Sq Ft
  • 0.490 Acres

435 Beachfront Trail Santa Rosa Beach, Florida

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88 Sky High Dune Drive
$2,145,000
  • 4 Bedrooms
  • 4 Bathrooms
  • 3,646 Sq Ft
  • 0.350 Acres

88 Sky High Dune Drive Santa Rosa Beach, Florida

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45 Mary Street
$2,000,000
  • 6 Bedrooms
  • 6 Bathrooms
  • 3,444 Sq Ft
  • 0.230 Acres

45 Mary Street Santa Rosa Beach, Florida

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66 Woodward Drive
$1,800,000
  • 0 Bedrooms
  • 0 Sq Ft
  • 0.860 Acres

66 Woodward Drive Santa Rosa Beach, Florida

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87 Sunflower Street
$1,736,000
  • 4 Bedrooms
  • 6 Bathrooms
  • 2,894 Sq Ft

87 Sunflower Street Santa Rosa Beach, Florida

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000 S Hwy 331
$1,650,000
  • 0 Bedrooms
  • 0 Sq Ft
  • 3.410 Acres

000 S Hwy 331 Santa Rosa Beach, Florida

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000 S 331 Highway
$1,350,000
  • 0 Bedrooms
  • 0 Sq Ft
  • 2 Acres

000 S 331 Highway Santa Rosa Beach, Florida

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Lot 1 Bullard Road
$725,000
  • 0 Bedrooms
  • 0 Sq Ft
  • 0.220 Acres

Lot 1 Bullard Road Santa Rosa Beach, Florida

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Lot 1B Jasmine Circle
$600,000
  • 0 Bedrooms
  • 0 Sq Ft
  • 0.120 Acres

Lot 1B Jasmine Circle Santa Rosa Beach, Florida

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44 Grayton Bayou Drive
$439,000
  • 3 Bedrooms
  • 3 Bathrooms
  • 1,773 Sq Ft
  • 0.120 Acres

44 Grayton Bayou Drive Santa Rosa Beach, Florida

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Lot 14 East Wild Blueberry Way
$399,000
  • 3 Bedrooms
  • 2 Bathrooms
  • 1,510 Sq Ft

Lot 14 East Wild Blueberry Way Santa Rosa Beach, Florida

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117 Village Boulevard UNIT 721
$359,900
  • 3 Bedrooms
  • 2 Bathrooms
  • 1,022 Sq Ft

117 Village Boulevard UNIT 721 Santa Rosa Beach, Florida

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321 Symphony Way
$339,300
  • 3 Bedrooms
  • 3 Bathrooms
  • 2,247 Sq Ft
  • 0.240 Acres

321 Symphony Way Freeport, Florida

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414 Overstreet Drive
$335,000
  • 3 Bedrooms
  • 2 Bathrooms
  • 1,269 Sq Ft
  • 0.240 Acres

414 Overstreet Drive Destin, Florida

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TBD Dick Saltsman Road Road
$329,000
  • 0 Bedrooms
  • 0 Sq Ft
  • 1 Acres

TBD Dick Saltsman Road Road Santa Rosa Beach, Florida

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Having a lower credit score doesn’t prevent you from getting a loan, but in most cases, it stops you from qualifying for the best terms and interest rates. That means over time, you’ll pay more for your home than someone who had a higher credit score would.

Related: Q&A: Credit and buying a home

How to Boost Your Credit Score

First things first: Get a copy of your credit report and dispute anything that’s wrong. (You might be surprised at how many people discover errors on their credit reports!)

Once you’re sure everything is right, make sure you’re making regular monthly payments (and make sure they’re on time) – and do whatever you can to lower your debt. The more you pay off, the more favorably lenders will look at your credit profile.

Are You Buying a Home Along 30A?

If you’re thinking about buying a home for sale on 30A, we can help you. Sign up for exclusive access to the hottest listings – we’ll notify you as soon as homes that meet your needs hit the market!

You can also check out all our 30A real estate listings or get specific with these links:

  • Alys Beach homes for sale
  • Destin homes for sale
  • Grayton Beach homes for sale
  • Panama City Beach homes for sale
  • Santa Rosa Beach homes for sale
  • WaterColor homes for sale

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