Your Debt-to-Income ratio is just as important as your credit score. Pay down credit card balances to below 30% of their limit to see a quick bump in your score.

These programs can provide grants or forgivable second loans to cover down payments and closing costs, which is helpful if your credit prevents you from getting a low-interest conventional loan. 3. Consider "Manual Underwriting"

Buying a home in with a lower credit score is challenging, but the state offers several specific programs and pathways designed to help residents overcome credit hurdles. 1. Explore Government-Backed Loans

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