: Available to veterans and service members. They often have no official minimum credit score (though many lenders prefer 620) and require 0% down .
If your score is still a hurdle, these tactics can help bridge the gap: Buying a house with bad credit - Home loans - U.S. Bank trying to buy a house with bad credit
: Some 2026 lenders like Guild Mortgage and Sage Home Loans specifically market to these lower brackets. : Available to veterans and service members