Borrower situations

Low credit score

Borrowers with credit scores below typical conventional minimums.

Why it is hard

Lender overlays often exceed program minimums, so finding a lender that lends to the actual program floor matters.

What to ask a loan officer

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?

Also called

low credit, bad credit, poor credit, credit score under 620, low score, fair credit, thin credit

Find a loan officer

Ranked loan officers by state and city are coming soon. Agents can query now: /api/v1/loan-officers?specialty=low-credit&state=FL or this specialty as JSON.