: Some 2026 lenders like Guild Mortgage and Sage Home Loans specifically market to these lower brackets.
If your score is still a hurdle, these tactics can help bridge the gap: Buying a house with bad credit - Home loans - U.S. Bank trying to buy a house with bad credit
: Designed for rural and some suburban buyers with low-to-moderate income. These also offer 0% down and flexible credit standards. 2. Strategic Workarounds : Some 2026 lenders like Guild Mortgage and
: These are the standard for low-credit buyers. Score 580+ : Requires only a 3.5% down payment . Score 500–579 : Requires a 10% down payment . trying to buy a house with bad credit