Government-backed programs are specifically designed for borrowers who don't meet strict conventional standards.
: If you need both incomes to qualify for the desired loan amount, focus on a quick credit boost for the lower-scoring partner before applying . buying a house when one person has bad credit
: Adding the partner to a long-standing, low-balance credit card account of the high-credit spouse can raise their score within days . buying a house when one person has bad credit
Scores between may still qualify but require a 10% down payment . buying a house when one person has bad credit