Check your credit reports for errors and dispute any inaccuracies
Pay down existing debt to lower your credit utilization
Make all payments on time for bills, loans, and credit cards
Save for a larger down payment
Build an emergency fund to show financial stability
Reduce your debt-to-income ratio
Avoid opening new credit accounts before applying
Get preapproved by multiple lenders
Compare FHA, VA, USDA, and other low-credit mortgage options
Look for lenders that specialize in bad-credit home loans
Consider a co-borrower with stronger credit
Ask about manual underwriting
Provide proof of steady income and employment
Prepare documentation for assets, rent history, and savings
Consider a less expensive home to improve approval odds
Work with a housing counselor or mortgage advisor
Improve your credit for several months before applying if possible
Be ready to pay a higher interest rate or mortgage insurance
Review all loan terms carefully before signing