The specific credit score required to be preapproved for a home loan can vary depending on the lender and the type of mortgage you're applying for. However, there are some general guidelines you can follow:

  1. Conventional Loans: For conventional mortgages, a credit score of 620 or higher is often the minimum requirement. To qualify for the best interest rates and terms, you may need a credit score of 700 or higher.
  2. FHA Loans: The Federal Housing Administration (FHA) offers loans with more lenient credit requirements. Typically, you can get an FHA loan with a credit score as low as 500, but you may need a down payment of at least 10%. If your credit score is between 500 and 579, you'll need a 10% down payment, while a score of 580 or higher may allow you to qualify with a 3.5% down payment.
  3. VA Loans: Veterans Affairs (VA) loans are available to eligible veterans and do not have a specific credit score requirement. However, most lenders prefer borrowers to have a credit score of at least 620 to 640.
  4. USDA Loans: The U.S. Department of Agriculture (USDA) offers loans for rural and suburban homebuyers. The minimum credit score required for a USDA loan is typically around 640.

Keep in mind that while these are general guidelines, individual lenders may have their own requirements, and they may take other factors into consideration, such as your debt-to-income ratio, employment history, and overall financial stability. It's essential to shop around and get preapproved with different lenders to see what options are available to you based on your specific financial situation.

Additionally, a higher credit score not only improves your chances of getting approved but can also lead to more favorable interest rates, which can save you money over the life of your mortgage. Therefore, it's a good idea to work on improving your credit score before applying for a home loan if it's not currently at a level that meets your goals.