Welcome to the new standards of home ownership becuase of the Chinese virus. Buying a home in this so called pandemic is next to impossible. All the banks raised their credit standards  they can rang from 620 to 740.  There is stipulations on the lower score  here are some. The dems love nothing more to hurt people and take away their life liberty and the pursuit of happiness.  At least two month’s worth of payments in the bank No gift funds allowed for down payment or closing costs No non-owner occupants without a 680 credit score https://themortgagereports.com/64357/coronavirus-causes-mortgage-mayhem-with-new-requirements-and-no-rate-locks