What Credit Score Do You Need to Buy a House in Arizona? 2026 Minimums by Loan Type

Published on: 06/19/2026

In Arizona, you generally need a 620 credit score for a conventional loan and 580 for an FHA loan with 3.5% down. Here are the 2026 minimums by loan type from Pillar Mortgage Group, NMLS #2700076.

Arizona Mortgage and Home Selling Guides

Straight answers on buying, refinancing, and selling a home in Scottsdale, Phoenix, and across Arizona, from Blake Hermann, Director of Lending at Pillar Mortgage Group (NMLS #2271358).

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