How to Get a Home Loan With Less-Than-Stellar Credit

In a perfect world, you’d have a robust credit score and a 20 percent down payment in hand, with mortgage lenders falling all over themselves to get your attention.

But what if your world is a little dinged? What if your credit score is shabby, your bank manager cringes when he sees you and debt collectors are the ones vying for your attention?

You may be better positioned to buy a house than you think. “As a rule of thumb, a credit score of at least 650 gives you a chance at qualifying for a conventional loan,” says Max Galka, co-founder and CEO of, a New York apartment history and review website.

But even if your credit score is lower than 650, you aren’t out of the house-buying game yet. Not by a long shot. Click here  to read more of this article.

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