The most accessible option, requiring only 580 for a 3.5% down payment, or 500 with a 10% down payment. USDA Loans: Usually require a 640 for automated approval.

Download free weekly reports from all three major bureaus (Equifax, Experian, and TransUnion) via AnnualCreditReport.com .

How to Fix Your Credit Score to Buy a House (2026 Guide) Repairing your credit for a mortgage is less about hitting a "magic number" and more about demonstrating a trajectory of financial responsibility to lenders. While some quick wins can boost your score in 30 days, a full "mortgage-ready" profile typically takes of intentional work. 1. Know Your Target Scores for 2026

Look for incorrect late payments, accounts that don't belong to you, or closed accounts still listed as open.

For a one-time slip-up, you can write a "goodwill letter" to the creditor asking them to remove the negative mark as a courtesy. 5. Strategically Add or Manage Accounts

If you have late payments, focus on keeping all accounts current moving forward. The impact of a late payment fades over time, especially after 3 to 6 months of perfect history.