If you’d like to see which options fit your specific situation: Your (e.g., 550, 600) Your monthly income and current total debt The area or state where you're looking to buy

💡 Even if you qualify with a low score, you will likely pay a higher interest rate. If you can wait 6–12 months to build your score into the mid-600s, you could save tens of thousands of dollars over the life of the loan.

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Unlike a single bank, brokers work with dozens of lenders and know which ones specialize in "subprime" or low-credit applicants.