: Backed by the Federal Housing Administration (FHA) , these are the most common choice for "bad credit" buyers.
: Technically, the VA doesn't set a minimum score, though individual lenders like Freedom Mortgage may require a 550 or higher. No Down Payment : These loans typically require 0% down .
: You can qualify with a score as low as 500 if you have a 10% down payment .
: Lenders view lower scores as higher risk and charge higher rates to compensate.
Yes, you can absolutely still buy a house with bad credit . While it may require more research and potentially a higher down payment or interest rate, several government-backed and specialized programs are designed specifically for borrowers with lower credit scores. Top Mortgage Options for Bad Credit
