Your credit score plays a big role in mortgage approval and interest rates when buying in Santa Clarita, Valencia, Saugus, Newhall, Stevenson Ranch, Canyon Country or Castaic—but you don’t need perfect credit to qualify.
Minimum Credit Score by Loan Type
- FHA Loan: 580+ (with 3.5% down)
- VA Loan: No minimum set, but lenders typically require 620+
- Conventional Loan: 620+ (higher scores get better rates)
What If My Score Is Lower?
- You may need a larger down payment or to work with a credit specialist
- Some lenders offer manual underwriting or credit counseling programs
How to Improve Your Score
- Pay down credit cards below 30% of your limit
- Avoid new credit inquiries
- Pay all bills on time for at least 6 months
Not sure where you stand? I can connect you with local lenders who offer free credit checks and pre-approval consultations.
Ready to make your next move in Santa Clarita?
Contact Tami Cicerello with The Cicerello Team at RE/MAX Of Santa Clarita — your local real estate expert with 36+ years of experience helping sellers and buyers reach their goals.
661–212–3413| 
TamiCicerel
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Written by Tami Cicerello, REALTOR® and local real estate expert serving Santa Clarita, Valencia, Saugus, Newhall, Stevenson Ranch, Canyon Country and Castaic.