Check your credit reports for errors and dispute any inaccuracies
Pay down existing debt to lower your credit utilization
Make all current payments on time, especially credit cards, loans, and utilities
Save for a larger down payment
Build a stronger cash reserve for closing costs and emergencies
Avoid taking on new debt before applying
Consider FHA loans if you qualify
Look into VA loans if you are eligible
Explore USDA loans if you meet location and income requirements
Ask lenders about manual underwriting options
Find mortgage lenders that specialize in bad credit or low-credit borrowers
Get preapproved by multiple lenders
Add a co-borrower with stronger credit if possible
Use a larger down payment to offset risk
Offer proof of stable income and steady employment
Reduce your debt-to-income ratio
Pay off collections or negotiate pay-for-delete where possible
Rebuild credit with secured credit cards or credit-builder loans
Keep older credit accounts open if they are in good standing
Avoid late payments, bankruptcies, and foreclosures before applying
Work with a HUD-approved housing counselor
Compare interest rates, fees, and loan terms carefully
Be prepared for higher rates and stricter conditions
Refinance later if your credit improves