: Lenders typically look for a minimum score of 620 for conventional loans, though 580 may be acceptable for FHA loans with a 3.5% down payment. Higher scores often secure better interest rates.
Lenders will require a "paper trail" to verify your financial capacity: How to buy a house in California what do i need to buy a house in ca
Buying a home in California's competitive market requires a blend of rigorous financial preparation and navigation of state-specific disclosures. To successfully purchase a home as of early 2026, you generally need the following: 1. Financial Readiness : Lenders typically look for a minimum score