Conventional mortgage loans are offered to homebuyers through lenders banks or credit unions and usually require a minimum credit score of 620 to 640 depending on the type and size of the loan. The veterans administration does not do not

Fha loans are guaranteed by the federal housing administration and issued by private lenders. Conventional loans typically require a minimum credit score of 620 though some may require a score of 660 or higher. Previously you must understand the background