Look for errors on your credit report. Disputing one wrong "late payment" can jump your score significantly.
For rural and suburban homebuyers. These typically require a 640 score, but manual underwriting may allow for lower scores if you have "compensating factors." ⚡ Strategies to Boost Your Chances buying a house for the first time with bad credit
AI responses may include mistakes. For financial advice, consult a professional. Learn more Look for errors on your credit report
Standard banks may say no, but these government-backed programs often say yes: buying a house for the first time with bad credit