: Adding a person with strong credit and steady income to your application can help you secure a loan you wouldn't qualify for alone.
: Be aware that once your mortgage is finalized, your credit score may temporarily drop by 15 to 40 points as the new debt is reported. Best Mortgage Lenders For Bad Credit in April 2026 - CNBC i want to buy a house but have poor credit
: If you are a veteran or active-duty service member, you may qualify with a score as low as 550 through specialized lenders like Freedom Mortgage . : Adding a person with strong credit and
: Aimed at rural and suburban buyers with low-to-moderate incomes, these may offer flexible credit requirements, though specific location and income limits apply. Strategies to Improve Approval Odds these may offer flexible credit requirements