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2402 · In general, a credit score above 670 will allow potential mortgage borrowers access to prime or favorable interest rates on their loan 2  Scores below 6 are considered to be subprime, and come · The minimum credit score they'll accept is 650, which is actually a little bit below the 670 to 739 range normally considered to be good credit Getting a mortgage with good credit Most mortgage lenders will give you a loan if your credit score is at least 6, and there are a few that'll go down to 600 or even 580The minimum credit score needed for most mortgages is typically around 6 However, governmentbacked mortgages like Federal Housing Administration (FHA) loans typically have lower credit requirements than conventional fixedrate loans and adjustable rate mortgages (ARMs) Pin On Money Stuff Refinance mortgage with 670 credit score