Is 620 the bare minimum of what is considered decent credit?

640 is now considered to minimum for nearly all lenders now. You will definitely want to work on increasing your credit scores.

If you have the other qualifying criteria such as your debt to income ratio, I could still get you pre-approved with a credit score lower than 620.You may call me at 860-866-5504 to get more details. Janet@commercialct.com