Buying a home with bad credit

You can buy a home with less-than-perfect credit, but a higher score means a much better rate and an easier approval. The smart move is to fix what is dragging your score down first, then let a concierge guide you through the closing.

What lenders look for

Most traditional mortgages want a score around 620 or higher, and every point above that improves your rate. Over 30 years, a better rate can save you tens of thousands.

Fix first, then buy

Clearing inaccurate items and lowering balances before you apply can move you into a better tier. A free analysis shows you exactly what to tackle.

The concierge that takes it from there

Once your credit is ready, our sister service My Key to Close handles the closing A to Z, paperwork, deadlines, realtors and loan officers, so buying a home finally feels easy.