If you’ve spent any time on our website, you may have come across one of our favorite things to say: “At First Option, mortgages are about much more than numbers and rates. They’re about people: families and veterans, newlyweds and retirees, looking for a better life.”

And it’s true! We truly love helping individuals and families from all walks of life reach their dream of homeownership.

And a credit score does not necessarily define you or tell your whole story.

At First Option Mortgage Indianapolis, we’re able to provide a little more flexibility than most. With that said, your score does still play a role in your approval odds.

Do You Need a 620 or Higher Credit Score to Buy a House?

The short answer is no. At least, not at First Option Mortgage. 

If you’ve done any Google searching or looked at other lenders, you probably have seen that 620 benchmark a lot.  At First Option, we’re able to write many loans at the 580 mark.

In full transparency, every situation is unique and other factors play into the overall ability to approve a mortgage application, but over the past 17 years, we’ve really developed a great reputation for helping individuals who aren’t quite to that magical number you see scattered online.

What if I’m Below 580?

Regardless of your credit score or credit history, you should give us a call.

Just as we’re able to work well with those lower scores, we are also just as skilled at helping others to quickly improve their credit score and into that area where we can give you the green light. We have a ton of resources (people, products, services) to help you.

Say hello to First Option Mortgage today!

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Mortgage Company Indianapolis

Get a Quick Rate Quote

Step 1 of 6 - Get Started

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Our mortgage lending experience is simple and easy to start. Speak with one of our friendly and experienced mortgage professionals today!