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When applying for a primary residence you can use conventional financing with a credit score as low as 620 With an investment property the minimum credit score ranges from 640 to 60 based on whether you get a fixed-rate mortgage or an adjustable-rate mortgage and the number of units in the property.
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1-unit Primary Residence 95 2-unit Primary Residence 5 3- and 4- unit Primary Residence 0 Second Home 90 1-unit Investment Property 5.
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