How To - Qualify To Buy A House With Bad Credit

Most borrowers with credit challenges find success through government-insured loans, which mitigate lender risk.

: As of 2026, some programs allow lenders to count rent, utility, and cell phone payments as proof of creditworthiness for those with thin or poor credit files. how to qualify to buy a house with bad credit

: Insured by the Federal Housing Administration , these are the standard choice for low-credit buyers. 580+ Score : Eligible for a 3.5% down payment . 500–579 Score : Eligible with a 10% down payment . Most borrowers with credit challenges find success through