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Generally speaking, the better your credit score is, the more options you will have in terms of home loans in SoCal. Jumbo loans for example, require better credit than FHA loans. With excellent credit (loosely defined as anything above an 800 FICO score rating), you will likely have every option you could hope for. However, credit scores above 740 are also considered very good, and will provide you with many options for financing your home, providing your income is stable, you have a down payment, and your debt-to-income ratio is reasonable. Contact SoCal’s top mortgage brokerage Summit Lending for more information.