Can you buy a house with bad credit? Well, as with everything, the answer is usually, it depends. But with the right approach to planning, yeah, you can. First, know your credit score. Anything under 620 is considered bad. However, there's a lot of lenders who specialize in less than stellar credit, and you can find them. They're not hard to find. Work on your credit, bump it up if you can, but don't wait for that magical day when, you know, it's the top of the line and now you're ready to buy. Know that you can buy with less than perfect credit. FHA loans are an answer. That's a federally backed program that allows buyers to sometimes buy with credit scores in the 500 range. The one caveat is a down payment. Lenders essentially want to limit their exposure to you, so the more money that you put in yourself and then the less they have to lend you, the higher the likelihood is that they'll give you the money. Bad credit score or no. Working on your credit score is not complicated. It's really just paying down debt and disputing any errors that you might have. It takes a little time, but if you can raise it and it's an upward trend, banks will respond favorably to that. What's really important is to find a lender that knows what they're doing and can actually help you based on programs that are out there, what's available to people with less than stellar credit, and how they can get you into a house because there's mortgage brokers which shop around dozens and dozens of lenders, and those programs from those lenders change all the time. My point to you is that don't just assume that I just can't buy because my credit's not great. That's not the case. Pick up the phone, call a couple of good lenders, or better yet, message us and we'll give you some recommendations. If you have questions about any of this, just message us. Thanks.