The minimum credit score required for a mortgage loan can vary depending on the lender, the type of mortgage, and the borrower’s financial circumstances. However, in general, the minimum credit score required to obtain a mortgage loan is usually around 620, which is the minimum score that the Federal Housing Administration (FHA) requires for borrowers to be eligible for an FHA-insured mortgage. For conventional loans, not backed by the government, the minimum credit score required can be higher, with many lenders requiring a score of at least 620, and some may require a score of 640 or higher. Borrowers with a credit score below