Unlike a single bank, a broker works with many lenders and knows which ones are "low-credit friendly."

If you have high income and very little monthly debt (car loans, credit cards), lenders may overlook a lower score.

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A family member with strong credit can apply with you to bolster the application. ⚠️ The Cost of Buying with Bad Credit

Even a 1% difference in your rate can cost you tens of thousands of dollars over the life of the loan.

For veterans and service members. There is often no minimum score required by the government (though lenders usually look for 580–620).

I can give you a much more specific recommendation based on those details!