Different loan programs have different "floors" for credit scores. In 2026, government-backed options remain the most accessible for subprime borrowers. Best Mortgage Lenders For Bad Credit in April 2026 - CNBC
Can You Still Buy a House with a Bad Credit Score? While a lower credit score can make the mortgage process more challenging, it doesn’t have to end your homeownership dreams. Lenders today look at your complete financial picture, often balancing a low score with "compensating factors" like stable income, low debt, or a larger down payment. Mortgage Options for Low Credit Scores
