If your credit score is a 630 or higher, and you meet other loan requirements, you should not have any problem getting a mortgage.
As far as types of loans and programs, there are conventional, FHA, VA, and USDA loans that are available to borrowers with credit in the 630 or higher range.
Can you buy a house with a 650 credit score?
FHA Loan with 650 Credit Score. FHA loans only require that you have a 580 credit score, so with a 650 FICO, you can definitely meet the credit score requirements. With a 650 credit score, you should also be offered a better interest rate than with a 580-619 FICO score.
Can I buy a home with 640 credit score?
Credit scores and mortgage loans: If your score is below 620 to 640: An FHA (Federal Housing Administration) home loan is your best option because most lenders won’t approve a conventional loan for borrowers with a credit score below 640. Conventional loans are available now with a down payment as little as 3 percent.
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