Mortgage with Lower Credit Score in Kansas

A 580 credit score qualifies you for FHA. A 620 qualifies for conventional. Here’s what works at each tier — and how to improve before applying.

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Quick answer

A 580 credit score qualifies you for FHA. A 620 qualifies for conventional. Here’s what works at each tier — and how to improve before applying.

What Kansas buyers in this situation should know

FHA 3.5% down: 580 minimum score.
FHA 10% down: 500-579 possible.
Conventional: generally 620 minimum; pricing improves materially above 680 and again above 740.
VA: no VA-set minimum; our lender minimum is 580.
USDA: our minimum is 580 via manual underwriting; GUS automated approval typically requires 640+.
If your score is on the edge, we can sometimes rapid-rescore a credit report after specific actions (paying down a revolving balance, for example). This is not guaranteed but can move a borderline file.

Next step

Scenarios get complicated. Start a pre-approval and Radley reviews your specific file, documents, and credit — personally. Or call (620) 860-4480 for a 15-minute no-credit-pull conversation.

Mortgage with Lower Credit Score in Kansas

What Kansas buyers in this situation should know

Next step

Every scenario is a real number — after a real pre-approval.