can i get a conventional mortgage with a 615 credit score?

No, you can do an FHA loan, and then when the credit is high enough, refi into a conventional and drop the FHA MIP....or you have to wait until your mid-score is at least 620....that will get you in the door, the higher the credit scores, the better the rate would be...we are a nationwide lender, .if any interest in chatting or emailing you can reach out to me Steve Karp at skarp@homeloanbank.com and you can check us out online atwww.homeloanbank.com

Conventional guidelines require a minimum of 620 credit score or higher.. but if you contact a local mortgage broker, they can analyze your credit profile and show you the steps to improve your score above the required minimum.. and it's even possible that this can be done within a few days.. .. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com

I am not aware of any lender offering conventional mortgages down to a 615 credit score. Most likely, you'll need to get to 620 or 640 to qualify with most lenders. You may be able to find an FHA option at 615, but if you are that close to conventional and you are putting 20% down, I would avoid FHA and push to get your credit up those few extra points.