: Adding a person with strong credit and steady income to your application can help you secure a loan you wouldn't qualify for alone.
: If you are a veteran or active-duty service member, you may qualify with a score as low as 550 through specialized lenders like Freedom Mortgage . i want to buy a house but have poor credit
: A lower credit score generally results in higher interest rates. For example, while you can get a mortgage at 620, you typically need a score of 760 to unlock the most competitive market rates. : Adding a person with strong credit and
: Be aware that once your mortgage is finalized, your credit score may temporarily drop by 15 to 40 points as the new debt is reported. Best Mortgage Lenders For Bad Credit in April 2026 - CNBC For example, while you can get a mortgage