Lenders look for a "seasoning period." Maintaining a clean rental and payment history for at least a year after the eviction significantly boosts your odds.

An eviction can feel like a permanent roadblock to homeownership, but the truth is more hopeful: While it presents hurdles, mortgage lenders are often more focused on your current financial stability than a single past housing event. Does an Eviction Show Up on Your Credit Report?

Meet with a lender early to identify exactly what "compensating factors" (like high savings or low debt) you need to offset your history. Does an Eviction Affect Your Ability to Buy a House

Backed by the Federal Housing Administration , these are the most common path for buyers with past setbacks. They allow credit scores as low as 500 (with a 10% down payment) or 580 (with 3.5% down).