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Understanding Bad Credit Mortgage
Having a credit score below 700 does not disqualify you from homeownership. Over 30% of mortgage applicants have scores below 700, and specialized programs exist specifically for borrowers in this situation. FHA loans accept scores as low as 500, Non-QM lenders use alternative qualification methods, and experienced loan officers can guide you to the right program.
FHA accepts scores as low as 500
How NMHL Helps
Proven solutions for bad credit mortgage
Personalized Consultation
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Access programs designed for borrowers in your exact situation — FHA, VA, conventional, and more.
Guided Process
We walk you through every step from pre-approval to closing. No surprises, no confusion.
Your Path to Homeownership
Free Consultation
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Explore Options
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Pre-Approval
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Close with Confidence
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Success Stories
“NMHL made our first home purchase incredibly smooth. The team guided us through every step and found us a rate we couldn't believe.”
“After being denied by two other lenders, NMHL found a solution for my self-employed income. Bank statement loan closed in 25 days.”
“The VA loan process was seamless. Zero down payment and the best rate I found anywhere. Thank you NMHL!”
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Frequently Asked Questions
The minimum credit score depends on the loan type. FHA loans accept scores as low as 500 with 10% down or 580 with 3.5% down. VA loans typically need 580+. Conventional loans usually require 620+. Non-QM loans may accept 500+.
Focus on paying all bills on time, reducing credit card balances below 30% of limits, disputing errors on credit reports, and avoiding new credit inquiries. Most borrowers can see meaningful improvement in 3-6 months.
It depends on your situation. If you are close to a threshold like 580 for FHA, waiting a few months to improve your score can save thousands over the life of the loan. An NMHL loan officer can help you decide the best timing.
Borrowers with lower credit scores do pay higher rates, but the difference varies by program. FHA loans offer competitive rates even for lower scores. Non-QM rates are higher but provide access when other options are unavailable. Refinancing later as your credit improves can lower your rate.
Helpful Resources
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