{"specialty":{"slug":"low-credit","category":"borrower_situation","label":"Low credit score","description":"Borrowers with credit scores below typical conventional minimums.","synonyms":["low credit","bad credit","poor credit","credit score under 620","low score","fair credit","thin credit"],"why_hard":"Lender overlays often exceed program minimums, so finding a lender that lends to the actual program floor matters.","questions_to_ask":["What is your actual minimum score for this program?","Can you help me with a rapid rescore?","How much will my score affect my rate and mortgage insurance?"],"canonical_url":"https://lendb.ai/s/low-credit","api_url":"https://lendb.ai/api/v1/specialties/low-credit"}}