What Credit Score Do You Need to Buy a Home in Vermont?

Credit score is one of the most important pieces of the puzzle when you are preparing to buy a home in Vermont. Many buyers are nervous to even start a conversation because they are not sure whether their score is “good enough.”​

Different loan programs have different minimum score guidelines, and lenders also apply their own standards. In general, many conventional lenders look for scores in the mid‑600s or higher, while some government‑backed programs may approve loans for qualified buyers with scores starting in the low‑ to mid‑600s, sometimes lower in specific circumstances. Higher scores usually unlock better interest rates and lower monthly payments, which is why even small improvements can make a big difference over the life of a Vermont mortgage.​

The Tamithy Howrigan Real Estate team works closely with trusted local lenders who understand how to evaluate your full financial picture, not just a number on a screen. If your score is not where it needs to be yet, these professionals can often provide a concrete action plan to improve it over the next 3–12 months. Our role is to align that plan with the Northwestern Vermont market so you know what price range and timing are realistic as your credit strengthens.​

If you are unsure whether your credit is ready, reach out to our team. We will connect you with lenders who can review your situation, help you build a path to pre‑approval, and position you for success in the Vermont real estate market.