What Credit Score do You Need to qualify for a FHA VA KHC USDA Kentucky Mortgage

Credit: Most lenders want a 640 credit score, however there are some lenders now doing FHA loans down to a 620 score with no bankruptcies in the last 2 years and no foreclosures in the last 3 years. You have three fico scores and they will throw out the high and low score and take the middle score of the lowest between both borrowers. They take the lowest of both borrower’s middle score.