Putting more money down reduces the lender's risk.

Dispute inaccuracies on your report to see an immediate score bump.

Private lenders offer these for buyers who don't fit traditional molds. They may use bank statements or rent history to prove your creditworthiness, though interest rates are usually higher. 📈 Strategies to Improve Eligibility

Many state and local housing authorities offer grants or "silent second" mortgages. These cover down payments or closing costs, making it easier for buyers with limited cash and poor credit to qualify. Housing Counseling Agencies