For buyers who cannot qualify for a standard mortgage, several alternative programs are designed to be more inclusive:
: These government-backed loans from the Federal Housing Administration (FHA) are a top choice for those with lower credit.
: Since foreclosures are often sold "as-is" and may need extensive work, this loan allows you to wrap the purchase price and repair costs into a single mortgage.
Buying a foreclosure involves more complexity and "grit" than a standard sale. FHA loans for foreclosures - Rocket Mortgage
: These are short-term, high-interest loans from private lenders that focus on the property's value as collateral rather than the buyer's credit score.
Borrowers with a score as low as may qualify for a 3.5% down payment.
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