What credit score do I actually need to buy a house in Florida?
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Lower than the number in your head. "You need a 700" is a myth that keeps people renting years longer than they need to. Different loan programs have genuinely different floors, and several go well below 700. A lot of people talk themselves out of even asking because of a score they saw on a free app, and those free-app scores often aren't even the model a mortgage lender actually uses. Here's the part that surprises people most: your score by itself doesn't decide much. It's your score combined with your income, your debts, and your down payment. A 620 can get approved comfortably while a 740 struggles, because the 740 is carrying too much other debt. So don't self-reject. Find out where you actually stand before you assume the door's closed.