Home-Buying Options for Poor or No Credit. If you have poor credit-a score of 650 or below-or bad credit-a score below 600-there are programs, such as Federal housing administration (fha) loans that are specifically made for those who need help buying a home with bad credit. FHA Loans
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One of the easiest ways to qualify for a home loan with bad credit is to make a larger down payment. Usually, this requires a down payment of 20 percent or more of the sale price. Lenders tend to view a large down payment favorably when approving credit, as it signifies an investment on your end.
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