What Credit Score You REALLY Need to Buy a Home (Conventional, FHA, VA, USDA)

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First Time Home Buyer Course FREE here on YouTube! Step by step, everything you need to know to get through the home buying process confidently!
   • Course: First-Time Homebuyers 2025  
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Credit mistakes could be the reason you’re still renting — and most people don’t even know they’re making them.
In this 3 part webinar, I break down the exact credit mistakes that keep buyers stuck, confused, and shut out of homeownership — and how to fix them without wasting money on unnecessary credit repair.
Part 2 coming sooon!

If you’re planning to buy a home in 3 months, 6 months, or even 2 years, this training can save you months (or years) of frustration and potentially boost your credit score 50–100 points.

I’ve pulled thousands of credit reports over 30 years as a mortgage loan officer — and I see the same costly mistakes over and over again. Today, I’m showing you the real facts. No BS.

🧠 What You’ll Learn in This Video:
✔️ The credit score lenders actually use (it’s not what most people think)
✔️ Why a co-signer does NOT fix bad credit
✔️ The minimum credit scores for Conventional, FHA, VA, USDA, and Non-QM loans
✔️ How credit utilization & payment timing can tank your score (even when you think you’re doing it right)
✔️ Simple, proven ways to raise your score without paying a credit repair company
✔️ The biggest credit myths keeping buyers stuck and misinformed

👉 Plus: Stay until the end for a FREE checklist + giveaway that walks you step-by-step through removing items from your credit permanently.

👍 Real Facts, No BS

#loanwithjen #homebuyers #texasrealestate

Jennifer Hughes Hernandez Legacy Mutual Mortgage
Equal Housing Opportunity Lender NMLS #514497
Phone: 713-579-3611
[email protected]
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Improve Your Credit - Checklist
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📌 More Helpful Content:

▶ The Myths and Truths About Credit Inquiries:
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▶ Why You Should Use A Local Lender:
   • Why You Should Use A Local Lender | #Loanw...  

▶ How to Buy A House With Low Income:
   • 2020-How To Buy A Home With Low Income [Lo...  

▶ Using Rental Income To Qualify For A Mortgage:
   • Using Rental Income to Qualify for A Mortg...  

Chapters
00:00 – Credit Mistakes That Keep You Renting
00:25 – Who This Training Is For
01:56 – Why Credit Repair Isn’t Always Necessary
02:19 – Real Client Story: The 520 Credit Score Shock
04:11 – What Credit Score Do Lenders REALLY Use?
06:47 – Why a Co-Signer Does NOT Override Bad Credit
07:32 – Conventional Loan Credit Score Requirements
07:38 – FHA Loan Credit Score Guidelines (What Most Don’t Know)
09:53 – VA & USDA Credit Rules Explained
11:40 – Non-QM Loans & Credit Expectations
12:21 – Bonus Credit Insights That Save You Time & Money

💻 *MyFICO.com provides the closest score to consumers that closely reflects what lenders see. To learn more about building your credit score visit: https://www.MyFICO.com

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Loan With Jen and affiliates and related parties do not provide tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. You should consult your own tax, legal and accounting advisors before engaging in any transaction.

Legal Disclosure: I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Before investing, please consult a licensed professional.