Buying a home with a is difficult but possible, primarily through government-backed FHA loans . While most traditional lenders prefer a score of 620 or higher, specific programs exist for "subprime" scores. 1. Most Likely Path: FHA Loans
The Federal Housing Administration (FHA) offers the most flexible path for lower scores. FHA loans: 2026 requirements, limits, and loan types my credit score is 522 can i buy a house