: Available to veterans and service members, these often have no set minimum credit score from the government, though most lenders prefer at least 580–620 . They require 0% down and no monthly mortgage insurance.
: While traditionally requiring a 620 score, recent policy shifts by Fannie Mae and Freddie Mac have moved toward a broader risk-factor analysis, potentially opening doors for some borrowers with lower scores if they have strong savings or income. Trade-offs of Buying with Bad Credit How to buy a house with bad credit | Rocket Mortgage i have bad credit can i buy a house
: These target rural and suburban buyers. While there is no official minimum, most lenders require at least 640 for automated approval. They also offer 0% down options. : Available to veterans and service members, these