If you are a veteran, service member, or eligible spouse, VA loans often have (though many lenders set their own "overlays" around 580–620).
If your credit score is preventing you from securing a manageable rate, use these methods to strengthen your application: FHA Loan Requirements in 2026 how can i buy my first home with bad credit
: These loans use standardized pricing, helping you avoid some of the steep fee increases that bad-credit borrowers usually face. VA Loans (Department of Veterans Affairs) : If you are a veteran, service member, or
Targeted at rural and some suburban areas, these also offer options. If you are a veteran