How to Get a Mortgage with Bad Credit 2025
Complete guide: Get approved with 580+ credit score using proven strategies
✅ Get Approved with Bad Credit Today!
Bad credit lenders specialize in approving borrowers with 580+ scores! Get pre-approved now.
Get Pre-Approved with Bad Credit →✓ 580+ credit accepted ✓ FHA specialists ✓ Free quotes ✓ No obligation
🧮 Bad Credit Impact Calculator
Your Estimated Results:
Estimated Rate
7.50%
Monthly Payment
$1,748/mo
Best Program
FHA
Total Interest
$379,293
Compare bad credit lenders to find the best rate for your score! External resource: Credit.com Mortgage Guide
💡 Bad Credit? No Problem!
FHA lenders approve borrowers with 580+ scores every day!
Compare Bad Credit Lenders →📊 Minimum Credit Scores by Loan Type 2025
| Loan Type | Min Score | Min Down | Best For |
|---|---|---|---|
| FHA | 580 | 3.5% | Bad credit buyers |
| FHA (10% down) | 500 | 10% | Very bad credit |
| VA | No minimum | 0% | Veterans (most want 580+) |
| USDA | 640 | 0% | Rural areas |
| Conventional | 620 | 3% | Fair credit |
Get pre-approved to see which programs you qualify for!
🚀 7 Proven Strategies to Get Approved
1. Apply for FHA Loan (580+ Score)
FHA loans accept 580+ credit scores with just 3.5% down. FHA lenders are your best bet with bad credit.
✓ 580+ score ✓ 3.5% down ✓ 85% approval rate
2. Increase Your Down Payment
Larger down payment = lower risk = easier approval. 10%+ down can offset bad credit. Compare lenders to see requirements.
✓ 10% down = 500 score FHA ✓ 20% down = better rates
3. Lower Your Debt-to-Income Ratio
Pay off credit cards and car loans to lower DTI below 43%. Get pre-approved to see your DTI.
✓ Target 36% DTI ✓ Pay off high-interest debt first
4. Get a Co-Signer with Good Credit
Family member with 700+ score can co-sign. Their credit helps you qualify for better rates.
✓ Lower rates ✓ Higher approval odds ✓ Co-signer needs 700+ score
5. Wait for Credit Score to Improve
6-12 months of on-time payments can boost score 50-100 points. Monitor your progress and apply when ready.
✓ Pay all bills on time ✓ Reduce credit utilization ✓ Dispute errors
6. Shop Bad Credit Specialist Lenders
Some lenders specialize in bad credit. Compare 300+ lenders to find specialists.
✓ Higher approval rates ✓ Flexible requirements ✓ Competitive rates
7. Consider Manual Underwriting
Manual underwriting looks beyond credit score at full financial picture. Perfect for unique situations.
✓ Considers income stability ✓ Rental history ✓ Savings
❓ FAQ
🏠 Get Approved with Bad Credit Today!
580+ credit score? You can get approved! Compare bad credit lenders now.
Compare 300+ Bad Credit Lenders →✓ 580+ accepted ✓ FHA specialists ✓ Free quotes ✓ 85% approval rate