Unlike a single bank, brokers work with dozens of lenders and know which ones specialize in "subprime" or low-credit applicants.

Look for errors on your credit report. Disputing one wrong "late payment" can jump your score significantly.

A bigger upfront investment reduces the lender's risk.

Don't open new credit cards or take out an auto loan while preparing to buy.

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If your credit is holding you back, use these levers to strengthen your application: