I advise you set a goal of 680 which is considered "ok-good". This doesn't mean we can't get approval under that, but under 680 the lender and insurer have tighter guidelines to follow. At minimum, I would say 650 before applying (depending on what is in the credit report) but if you want a higher chance of approval, go for at least 680. When I review your application, I will also provide any tips you need to get the rating up if applicable. This is all part of the planning process I help you with. Credit ratings go up to 900.