In the well known FICO rating range of 300 to 850, when does a score begin breaking awful? You could peruse 670 or 630 or 600, yet every loan specialist makes its own assessment of FICO ratings viewed as hazardous. For instance, you'll normally require a FICO rating of somewhere around 620 to get a regular home loan (one not upheld by an administration office), yet somebody with a FICO rating as low as 500 to 579 might have the option to fit the bill for a FHA or VA credit. One thing's without a doubt: A borrower with a "terrible" FICO rating has restricted options and will probably pay considerably more over a long period than one with a higher score, on account of higher loan costs charged and less great terms.