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: Available to veterans and service members. There is no government-mandated minimum credit score , though many lenders prefer at least 580–620 . These often require no down payment .
: As of late 2025, Fannie Mae and Freddie Mac have moved toward a broader "risk-based" evaluation, meaning a hard 620 cutoff is becoming less common for some lenders. Ways to Strengthen Your Application i have bad credit can i still buy a house
When your credit is low, lenders look for "compensating factors" to balance the risk: How to buy a house with bad credit | Rocket Mortgage : Available to veterans and service members
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