Many state and local housing authorities offer grants or "silent second" mortgages. These cover down payments or closing costs, making it easier for buyers with limited cash and poor credit to qualify. Housing Counseling Agencies

A partner with better credit can help you secure a lower rate.

Use services that add your on-time rent payments to your credit file.

Private lenders offer these for buyers who don't fit traditional molds. They may use bank statements or rent history to prove your creditworthiness, though interest rates are usually higher. 📈 Strategies to Improve Eligibility