If your score is on the borderline, lenders look for "compensating factors" to offset the perceived risk.
Even a small boost in score before applying can save thousands in interest over the life of a 30-year loan. how to qualify to buy a house with bad credit
: Guaranteed by the Department of Veterans Affairs , these loans technically have no official minimum score set by the government. If your score is on the borderline, lenders
: As of 2026, some programs allow lenders to count rent, utility, and cell phone payments as proof of creditworthiness for those with thin or poor credit files. : As of 2026, some programs allow lenders
: A larger down payment (e.g., 10%–20%) significantly reduces lender risk and may lead to approval despite a low score.
Navigating Homeownership with Challenging Credit (2026) Qualifying for a home mortgage with a low credit score is achievable, provided you target specific loan programs and strengthen other financial indicators. While a "bad" credit score—typically defined as anything —increases interest rates and strictly limits lender options, government-backed programs offer structured pathways for these borrowers. Primary Loan Programs for Lower Credit
