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Credit Score Needed for Mortgage in NJ 2025

Understand requirements by loan type. 740+ saves $70K+ over loan life.

Check Your Qualification

Minimum Credit Score by Loan Type

VA Loan

580

Most lenders require 620+

FHA Loan

580

500-579 requires 10% down

Conventional

620

680+ recommended

Jumbo

700+

Often requires 740+

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