what credit score do you need to get a homeloan

i still close loans with 620 credit scores but many lenders have moved thier minimum scores to 640

Spending on the State, I can go as low as 500 fico with compensating factors. If your credit score needs improvement, I work with all 3 credit bureaus and can improve scores. I have seen, myself, 100 point improvement. Hope this helps. Let me know if you need anything. I lend in all States.

Correction: Depending on the State.