: Available to veterans and service members. There is no government-mandated minimum credit score , though many lenders prefer at least 580–620 . These often require no down payment .

: Aimed at rural and suburban buyers. While there is no official minimum, most lenders look for a 640 score . They offer 0% down payment options for those who meet income eligibility.

When your credit is low, lenders look for "compensating factors" to balance the risk: How to buy a house with bad credit | Rocket Mortgage