Most 0% down programs require a score of at least 620–640.

Many foreclosures are in poor condition and won't qualify for standard 0% down loans. In these cases, you might use: Allows you to roll repair costs into the mortgage.

Similar to the FHA 203(k) but often has higher credit requirements. 💡 Creative Strategies

If you don't qualify for the loans above, consider these alternative routes: State and local programs offer grants or forgivable loans.

Draft a for finding move-in ready foreclosures. Explain the pros and cons of buying REO vs. a short sale.

Even with 0% down, you still need to pay for inspections, appraisals, and title searches. How to Get Started

If the roof leaks or the plumbing is gone, a VA or USDA appraiser will likely reject the loan.

Which of these would help you move forward with your ?