Here is the requirement for getting this mortgage right now. I would;d like to talk about the credit score. The general credit score requirement is you will need a six hundred twenty credit score to get a high home loan to value loans. A high loans to value home 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 three percent of the purchase price. You can have a lower credit score but you will need to put more money down on the dwelling. In fact you may even have a credit score as low as five hundred and forty 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 one year.