What Credit Score Is Needed to Buy a Home in Los Angeles?

Written By Dana Pieper

Great news: You don’t need perfect credit to buy a home in LA.

Here’s a helpful benchmark:

  • 580+ → FHA loan options may be available

  • 620+ → Many conventional loans open up

  • 740+ → You’ll likely qualify for the best rates

But remember, your credit score is just one piece of the puzzle. Lenders also look at income, debt-to-income ratio, savings, and employment stability.

And if your score isn’t where you want it yet? Totally okay. Lots of buyers start planning 6–12 months before they buy. I can connect you with lenders who help map out a strategy so you're ready when the time comes. Reach out if you are looking for some guidance! And if the whole home-buying process is overwhelming at the moment, sign up to attend my How to Own in LA Workshop. We’ll cover qualifying for loans, offers, closing and beyond.

Dana Pieper
Previous

How to Find First-Time Home Buyer Workshops & Seminars in Los Angels