Here is the requirement for getting this home mortgage right now. The first is the credit score. The general credit score requirement is you will need a 620 credit score to get a high home loan to value loans. A high home mortgage to value mortgage would be one in which you do not put a lot of money down. You can get more information at Denver Mortgage Refinancing In this case you would put down 3 % of the dwelling price. You can still have a lower score but you will need to put more money down on the house. In fact you may even have a credit score as low as 540 and still get a house. But even is you do have a score that is that low they do want you to not have a late on your home loan in the last year.