Mortgage | Lenders Bad Credit

: Best option for borrowers with no credit history at all.

If your credit score is a hurdle, lenders often look for "compensating factors" to offset the risk. Best Mortgage Lenders For Bad Credit in April 2026 - CNBC mortgage lenders bad credit

: Technically have no minimum credit score requirement from the Department of Veterans Affairs, though most individual lenders prefer at least 620 . : Best option for borrowers with no credit history at all

: Best overall for FHA loans , which accept lower scores than conventional mortgages. : Best overall for FHA loans , which

: Allow for a credit score as low as 500 (with a 10% down payment) or 580 (with a 3.5% down payment).

Different lenders specialize in various "bad credit" scenarios, from government-backed loans to specialized private funding.

Borrowers can choose from several programs designed for flexible credit requirements.