your credit score

A credit score is an estimate of how likely you are to repay your debts based on your history with past debts. Because a credit score indicates the risk you present when it comes to repaying a loan, a higher credit score generally means more favorable loan terms and lower interest rates.

500 - 579
May qualify for some programs, but expect to put more money down with higher interest rates.
580 - 619
May qualify for some low down payment options, like under the FHA program.
620 - 699
Typically qualify for many government-backed and conventional options.
700 - 739
Typically qualify for several programs with lower interest rates.
740 +
Typically qualify for most programs and lower interest rates.

Not sure what you're current credit score is? Here are some resources!

Concerned your score is too low?

Don't give up! We have ways to support you. With a little time, sometimes only a few months, you can improve your credit with some work and investment. We’ve partnered with Credit Law Center to help provide you with the help you need to improve your credit.

Emily Martens with Credit Law Center specializes in helping people improve their credit reports. Their credit advisors audit the credit report and give each client an estimated cost to repair. You know what's cool? The consumer doesn't pay a fee unless they successfully remove items from a credit report.

Answer a few questions below, and we'll connect you with Emily. She'll work with you, and when you're ready, we can kick off your clover & hive home build! And for fun, we'll keep you updated on all things clover & hive.

Homeowner Spotlights

When you purchase a Summit home, you're not just getting a new house. You're choosing a home that was expertly crafted from the ground up and was built within a community developed with you in mind. We sat down with some of our homeowners to find out why they chose Summit Homes and what they love most about their new home and community.