If you hit 20% down, you’ll skip private mortgage insurance, saving you hundreds monthly. 🤝 Find a Co-Signer

These are the gold standard for lower credit. You can qualify with a score as low as 580 with just 3.5% down. If you’re at 500 , you might still qualify if you can put 10% down.

If your credit cards are maxed out, your "utilization" is killing your score. Pay them down below 30% to see a quick jump.

Traditional lenders are picky. Government-backed loans, however, are designed to help people who don't fit the "perfect" financial mold.

Since there's no traditional lender, the credit requirements are whatever you and the seller agree upon.

These usually involve higher interest rates and a "balloon payment" (a large lump sum) due after a few years.

Their high score and income are factored into the application, making you look much more attractive to lenders.

If you have a trusted family member with great credit, they can co-sign the mortgage with you.