Credit Score Management

I am not talking about a fantastic interest rate loan, but just baseline, what credit score do I need to qualify for a loan at all? Due to some student loan troubles over the last 12 months, my credit score plummetted into the 500s (from around 700), but I make 6 figures with minimal debt so I’m wondering where I need my credit score to be before I can even consider a mortgage.

A lot of information is available on what qualifications are needed for the refinance except one. What’s the required credit score?

I am familiar with the subprime lending that has taken place and how it has affected the economy and the lending industry in general and I don’t want to waste my time applying for a mortgage until my credit score is where it should be.

Please provide information about experiance or knowledge relating to the amount of time it takes to repair ones credit after a chapter 7 bankruptcy. All loans reaffrimed thru bankruptcy have always been on track and have remained current. Any info provided would be a fantastic help. Thanks

wooden toy

Right now I qualify for a sub-prime loan but want to get a better interest rate, so that means I need to improve my credit score.