💳 Mortgage Options for Low Credit Borrowers

“Bad credit? You're not out of options. Flexible loan programs are designed to help you qualify — and rebuild.”

📘 Can You Get a Mortgage with Low Credit?

Yes — many borrowers qualify for a mortgage even with credit scores in the 500s. From government-backed programs like FHA and VA to flexible non-QM loans, there are more paths to homeownership than you might think.

🧾 What’s Considered Low Credit?

  • 580–619 = Subprime but still eligible for many programs

  • 500–579 = Limited options, but FHA may still work

  • Below 500 = Not eligible for most programs — but we can help you build a path forward

✅ Loan Options for Lower Credit Scores

Loan Type Minimum Score Best For Learn More
FHA Loan 580+ (3.5% down) / 500+ (10% down) First-time buyers, flexible credit FHA Purchase Loans
VA Loan ~580–620+ Veterans and active-duty military VA Loan Programs
Non-QM Loan 600+ (varies) Self-employed, credit events, investors Non-QM Loans
Manual Underwrite Case-by-case No score or complex credit history FHA or VA options
Credit Repair Support Any Buyers preparing to qualify soon Credit Tips & Tools


🧠 Common Questions

Can I buy a house with a 580 credit score?
Yes — FHA loans allow down payments as low as 3.5% with a 580+ score.

What if my credit is under 580?
You may still qualify with a larger down payment or via a non-QM program.

How long after bankruptcy or foreclosure can I buy again?
FHA = 2–3 years
VA = 2 years
Conventional = 4–7 years
Non-QM = 1–2 years (case-by-case)

Can I improve my score quickly?
In some cases, yes — removing errors, lowering credit utilization, or becoming an authorized user can boost your score quickly.

🛠 Tips to Strengthen Your File

  • Pay off small collections or past-due accounts

  • Avoid opening new credit before applying

  • Keep credit card balances under 30%

  • Use rent or utility reporting tools to establish payment history

  • Work with a lender who offers rapid re-score options or credit simulator tools

 

📞 You Don’t Need Perfect Credit — You Just Need the Right Plan

We’ll walk you through the best loan options available today, and help you improve your file if you’re not quite ready yet.

🔵 [Start My Application]
📞 [Talk to a Low Credit Loan Specialist]

 

🔒 Disclosure

This is not a commitment to lend. All loans are subject to credit approval, program guidelines, and full underwriting. Not all applicants will qualify. Additional terms, conditions, and documentation may apply.

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