Trying To Buy A House With Bad Credit -

: Some 2026 lenders like Guild Mortgage and Sage Home Loans specifically market to these lower brackets.

: These are the standard for low-credit buyers. Score 580+ : Requires only a 3.5% down payment . Score 500–579 : Requires a 10% down payment . trying to buy a house with bad credit

: Designed for rural and some suburban buyers with low-to-moderate income. These also offer 0% down and flexible credit standards. 2. Strategic Workarounds : Some 2026 lenders like Guild Mortgage and

: Available to veterans and service members. They often have no official minimum credit score (though many lenders prefer 620) and require 0% down . trying to buy a house with bad credit