All borrowers MUST have a minimum representative Credit Score of 640 when using an automated underwriting system.  See <a href="http://reidownpayment.org/wp/wp-content/uploads/2019/08/REI-Gift100-Conventional-Program-Summary-19.09.05.pdf" target="_blank" rel="noopener">Program Summary</a> for manual underwriting guidelines and alternative credit requirements.