Getting a mortgage with bad credit isn’t impossible. There are programs and ways to secure a mortgage with less than perfect credit and a 20% down payment.
Credit Benchmarks for VA Loans. The first issue is tackling nebulous phrases like "bad" or "less than perfect." We use that kind of language because it can be so tough to discern what constitutes "good" credit, or at least a credit score that can get prospective buyers closer to the dream of homeownership.
Having bad credit impacts. are able to build their credit score back up to a point where a mortgage is possible. Bad credit does not automatically exclude you from buying a home, but it does make.
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