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What credit score do you need for a mortgage complete guide to credit for mortgages 7 mortgages with low minimum credit score requirements. Minimum credit score requirements for a mortgage differ based on the mortgage program fha loans only require a 580 minimum credit score but usda has higher limits. Origination fee: transactional funds up to $300k - 2 points ($2500 minimum) transactional funds over $300k - 3 points if your particular deal doesn’t fit into our loan structure, feel free to contact us to discuss other options.
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