Best mortgage lenders for bad credit in June 2026

Most mortgage lenders require a FICO ® Score of at least 620 for a conventional home loan, so having bad credit can make the homebuying process even more challenging. There are lenders that will approve applicants with less-than-perfect credit , however, as well as those that review criteria beyond your credit score. There are also government-backed loans with flexible credit requirements. CNBC Select has named the top mortgage lenders for bad credit in a variety of categories, including Federal Housing Authority (FHA) loans, speedy closings, military homebuyers and borrowers with no credit. For more details on how we made our selections, see our methodology . Best mortgage lenders for bad credit We want to hear your story Are you living paycheck to paycheck, or do you have a financial success you're comfortable sharing with a reporter? Please fill out this quick form . Best for FHA loans: Rocket Mortgage Who's this for? Rocket Mortgage is one of the nation's largest providers of FHA loans, which are available with a credit score as low as 500 if you put 10% down. Standout benefits: Rocket Mortgage's Fresh Start program helps applicants boost their credit scores before applying. The online lender also offers several low-down-payment options, including the ONE+ loan from Rocket Mortgage , which lets eligible borrowers put down 1%. …