This is a question I get a lot! The simple answer is NO. Most people can qualify for a mortgage without having Great credit. What does that mean to the loan? Getting someone qualified with lower credit may or may not be a little trickier but what it really means is that you will probably only pay a little higher interest rate for the loan. Credit is one of the major factors lenders use when pricing a loan. The higher your credit score the better the pricing on loan. Can you get qualified with lower credit? ABSOLUTELY!!!!! Please call me today with and questions you may have about your specific situation.