How to Buy a House With Bad Credit
Some or all of the mortgage lenders featured on our site are advertising partners of NerdWallet, but this does not influence our evaluations, lender star ratings or the order in which lenders are listed on the page. Our opinions are our own. Here is a list of our partners.
Buying a house with bad credit — or, more accurately, a low credit score — can be challenging, but it’s not impossible.
Purchasing a home requires having money for a down payment, a solid history of paying your bills over at least the past year or two and a steady income. You’ll also need to meet the lender’s minimum credit score requirements. While higher credit scores earn more favorable loan terms, it's still possible to buy a home with bad credit.
Mortgage loans from our partners
on New American Funding
on New American Funding
on GO Mortgage
GO Mortgage
4.0
NerdWallet rating4.0
NerdWallet ratingon GO Mortgage
Mortgage loans from our partners
on New American Funding
on New American Funding
on GO Mortgage
GO Mortgage
4.0
NerdWallet rating4.0
NerdWallet ratingon GO Mortgage
on Rocket Mortgage