Can I get a mortgage with bad credit?

Credit requirements vary by loan type. FHA loans often accept lower credit scores than Conventional loans; VA and other programs have their own criteria. If your score is lower, you may still qualify for certain products, sometimes with different rates or fees.

Improving your credit before you apply can expand your options and may improve the rates you’re offered. Checking your credit report for errors and paying down debt can help.

To see what’s available to you, get quotes from lenders that offer the loan types you might qualify for. Use the same scenario (loan amount, term) so you can compare rate, APR, and closing costs.

A lender directory can help you find lenders; a comparison tool lets you enter each quote and view them side by side. That way you can evaluate your options without relying on a single source.