Let’s get straight to it:
Yes, you can get a mortgage even with bad credit. And at MortgageSimplified.net, I’ve helped countless borrowers do exactly that.

If you’ve been told “no” before, don’t give up. There are more options than ever—and with over 40 years of experience, I know where to find them.

🔍 What’s Considered “Bad” Credit?

In the mortgage world, anything below 620 is generally considered below-average, but that doesn’t mean you’re out of the game.

  • 580–619: You may still qualify for government-backed loans (like FHA)
  • Below 580: There are still options, especially if you have a larger down payment or strong compensating factors
  • Recent credit issues? There are Non-QM loans that don’t follow traditional score requirements at all

🏡 Loan Options for Buyers with Less-Than-Perfect Credit

Here’s where we shine at MortgageSimplified.Net—we tailor the loan to you. Here are some options we might explore together:

  • FHA Loans
    Backed by the Federal Housing Administration, these allow for scores as low as 580 (or even 500 with 10% down). Flexible and accessible.
  • Non-QM Loans
    Designed for borrowers who fall outside the traditional lending box. Ideal for self-employed buyers, recent credit hiccups, or unique income situations.
  • DSCR Loans (for Investors)
    These loans don’t even look at your personal credit or income—they’re based on rental income from the property. If it cash flows, you may qualify.
  • Subprime or Alt-A Loans
    These are designed for borrowers actively rebuilding credit. Terms may vary, but they can be a great stepping stone.

đź’ˇ Pro Tip: Focus on the Whole Picture

Even if your credit score is lower, other strengths can help you qualify:

  • A strong down payment
  • A solid rental history
  • Steady income
  • Low overall debt
  • A co-borrower with stronger credit

This isn’t about checking boxes—it’s about creating a strategy that works for you.

đź‘‹ Why Work With Me?

I’m not a banker reading off a checklist—I’m a loan strategist with over 40 years of real-world experience. I’ve seen every kind of credit file, and I know how to find the path forward.

I’ve built MortgageSimplified.net to make the process clear, honest, and accessible—whether you’ve got a 780 score or a 580 with a story to tell.

âś… Next Steps

  1. Let’s talk. There’s no pressure—just a quick strategy session to review your goals.
  2. Get pre-qualified. We’ll look at all your options based on your credit, income, and goals.
  3. Start your journey. Whether you’re buying your first home or your fifth, I’ll walk you through it every step of the way.

👉 Click here to get started

Bad credit doesn’t have to mean bad options.
Let’s build your path to homeownership—together.

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