Stop Guessing, Start Planning: How a Certified Mortgage Loan Advisor Solves the Credit Score Dilemma.

The Credit Score Myth Keeping Potential Homeowners on the Sidelines

Are you sitting on the sidelines because you think you can't buy a home? For many, the hesitation isn't about the desire to own—it’s about a number. Specifically, the belief that their credit score isn't high enough to qualify for a mortgage.

According to recent data, 42% of Americans believe you need "excellent" credit to buy a home. This myth is often the primary reason renters don’t even attempt the pre-approval process.

But here is the reality of the 2026 market: You don’t need a perfect score to get the keys to your new home.

The 775 "Standard" is a Myth

The confusion often stems from the fact that the median credit score for a typical homebuyer is currently 775. While that represents a strong average, it is not a requirement. In fact, 10% of successful homebuyers in the last year had scores in the 600s or lower.

Lenders use credit scores to assess risk, but there is no universal "cutoff." Every loan program has different flexibilities, and many lenders look at your entire financial story—not just a three-digit number.

Introducing the Buyer Ready Service

As a Certified Mortgage Loan Advisor, I don't believe a "no" today has to be a "no" forever. This is exactly why I offer the Buyer Ready Service.

If your credit isn't where it needs to be to secure the best rates today, we don't just walk away. We create a personalized Action Plan. This service provides:

• Clear Milestones: Knowing exactly what points your score needs to hit.

• Credit Optimization: Strategies to improve your profile efficiently.

• A Realistic Timeline: So you know exactly when you’ll be ready to shop for a home with confidence.

The Bottom Line

Your credit score is important, but it shouldn’t be a mystery or a source of fear. Whether you are ready to buy today or need a roadmap to get there, the conversation starts with a plan.

Don’t let a myth dictate your future. Ready to see where you truly stand? Contact Home Loans by Karen Jones today to learn more about the Buyer Ready Service and get your personalized Action Plan.

Karen Jones Certified Mortgage Loan Advisor|  NMLS 307015  AZ Lic 0914383

Karen Jones is a Senior Certified Mortgage Loan Advisor serving homebuyers and homeowners across Arizona. With over 40 years in financial services, she specializes in purchase loans, refinances, first-time homebuyer programs, VA, FHA, and conventional financing. Karen is known for her clear, educational approach that helps clients make confident mortgage decisions.

NMLS 307015 | AZ Lic 0914383
Website: www.HomeLoansbyKaren.com
Phone: 602.613.3573
Email: kjones@altitudehomeloans.com