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What is the minimum credit score for a USDA loan?

Past Content | USDA Credit Qualifying | USDA Loans | Posted on July 8, 2016 at 7:22 pm by

Is there a minimum credit score for a USDA loan? While a certain credit score does not guarantee an approval, minimum credit scores do open up doors for qualifying options and available programs. Today’s video tip will discuss what is
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First Time Home Buyer Tips for USDA Loan Qualifying

Past Content | USDA Loan Process | Posted on March 2, 2013 at 11:55 pm by

This week I wanted to share some great First Time Home Buyer tips for those who are trying to qualify for a USDA Home Loan. This is a great “To Do” list to help a First Time Home Buyer stay
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Sean A. Stephens, CMB®, CDLP®

NMLS# 185288
(800) 806-9836 Ext. 280
SeanS@MPLX.org

Metroplex Mortgage Services, Inc.

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Use This Calculator To Help Stay Within Your Budget:
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*Taxes and Insurance can vary from property to property.
Note: This USDA Loan calculator is for estimating purposes only and is neither a Loan Estimate or Commitment to Lend. Minimum credit conditions will apply on all loans.

Zillow Reviews

5 stars on 9/1/2026

He did amazing job. Always ready to help us. No trouble at all. Any problems that popped up he was ready to help us out. Really did just an amazing job.

5 stars on 8/12/2026

I have been through the home-buying process six times, and Metroplex Mortgage stands out as the clear best lender I have ever worked with. From the first conversation through closing, everything was handled with professionalism, clear communication, and genuine care that I have not experienced elsewhere. Sean and his team did an exemplary job. They were responsive, transparent about every step, and proactive in keeping the process moving smoothly. Questions were answered promptly, expectations were managed honestly, and the entire experience felt organized and stress-free compared to previous loans. If you are looking for a mortgage lender who actually delivers on service and results, I highly recommend Metroplex Mortgage and specifically Sean and his team. They earned my trust and made this purchase one of the better parts of the process. Thank you, Sean and team, for the outstanding work.

5 stars on 8/11/2026

Outstanding company. We got approved and closed in less than a month with VA loan. A one stop shop. Sean and his associates were very professional and up front with every detail. They got it done! Thanks Metroplex!

See all 341 Reviews on Zillow

Corporate Office

8622 N Himes Avenue
Tampa, FL 33614
Office: 813-935-8330
FL, AL, TN, TX NMLS# 185264

Branch Office

811 US Hwy 27 S
Sebring, FL 33870
FL NMLS# 2152298

A+ BBB Accredited Business

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BBB Rating: A+

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NMLS Consumer Access
FL, AL, TN, TX NMLS# 185264
Sebring, FL Branch NMLS# 2152298


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Copyright © 2010 – 2023 Metroplex Mortgage Services, All rights reserved. We lend in the following states: Alabama, Florida, Tennessee & Texas. As a USDA Approved lender, we are not endorsed or affiliated by the U.S. Department of Agriculture. Any loan program may require sufficient equity and certain conditions may apply.

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