The Key to Buying a House Even if You Have Bad Credit

You might think that having a credit score in the 500s would keep you from buying a home. But that isn’t always the case.

Depending on your circumstances, you may have lending options that make it possible to overcome that bad credit barrier when buying a home.

What Credit Score is Needed to Buy a Home?

The minimum credit score you need to buy a home will vary based on a few factors: - The type of mortgage you want - The lender you’re asking - Who you are

Certain types of home loans allow you to qualify with a lower credit score while others require a higher score.

Minimum Credit Score Needed for Different Mortgages

Lender Credit Score Requirements

Every lender has a set minimum credit score they require to approve homebuyers for a mortgage.

VA Loans' Credit Score Requirements

While the VA itself has no minimum score or down payment requirements, lenders that provide VA loans may still have those requirements.

So, What's The Secret to Buying a House With Bad Credit?

All it takes is one free phone call and a quick consultation with a HUD-certified housing counselor.