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600 qualifies for FHA loans and VA loans if you're a veteran. Rates are still elevated but improving. VA loans at 600 offer better terms than FHA for eligible borrowers.
Our Top Picks for 600 Credit Score
Best FHA/VA Lender
Rocket Mortgage
APR Range7.25% – 8.75%
Min. Credit Score580 (FHA)
Why we recommend it: Rocket Mortgage excels at both FHA and VA loans, with a streamlined process and competitive rates for 600 borrowers.
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Best VA Loan
Veterans United
APR Range6.75% – 8.25%
Min. Credit Score580 (VA)
Why we recommend it: Veterans United specializes exclusively in VA loans and offers the best rates and service for eligible veterans at 600.
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Best Online Process
Better.com
APR Range7.25% – 8.75%
Min. Credit Score580 (FHA)
Why we recommend it: Better.com's transparent pricing and digital process make it easy to compare FHA loan options at 600.
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Frequently Asked Questions
Can I get a VA loan with a 600 credit score?
Yes — VA loans have no official minimum credit score, but most lenders require 580–620. Veterans United and Rocket Mortgage both work with 600 VA borrowers.
What's the difference between FHA and conventional at 600 credit?
At 600, conventional loans aren't available. FHA loans require mortgage insurance (MIP) for the life of the loan if you put less than 10% down. VA loans (for veterans) have no MIP requirement.
How much house can I afford with a 600 credit score?
With a 600 score, your rate will be higher, which reduces buying power. At 8% APR, a $1,500/month payment supports about a $204,000 loan. At 6%, the same payment supports $250,000.