Yes, you can buy a house with bad credit , as several mortgage programs are specifically designed to help borrowers with lower scores. While a traditional "conventional" loan typically requires a score of or higher, government-backed options can go as low as 500 . Mortgage Options for Lower Credit Scores

What Credit Score Do I Need To Buy a House? | Freedom Mortgage

If your credit score is below 620, these are the most common paths to homeownership:

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