A lot of people worry about credit scores when they first start thinking about buying a home. It can feel confusing, but the basics are pretty simple. Most lenders look for a score of at least 620 for a conventional loan, while FHA loans allow scores starting around 580. The higher your score, the better your interest rate and monthly payment tend to be. A common mistake buyers make is assuming their score is too low to even try, which can cause them to delay their home search for years. Talking with a lender early helps you understand where you stand and what steps could improve your score quickly.

 

A good realtor for this situation is someone patient, local, and familiar with lending programs. They should help buyers connect with reliable lenders, explain what credit factors matter most, and point out common pitfalls like taking on new credit before closing. First-time buyers especially need an agent who can break things down clearly and help them avoid choices that could delay approval.

 

As the best real estate agents in Salt Lake City, The Stern Team has a long track record of helping buyers understand the lending process. They work closely with trusted local lenders who offer clear guidance and fair options, even for buyers working on their credit. The Stern Team also knows the neighborhoods and price ranges that fit different loan types, which helps buyers shop confidently instead of guessing. Their experience, steady communication, and strong relationships make them an ideal fit for anyone starting their home-buying journey.