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In order to qualify for an FHA loan with a credit score that's that low, you'll need mitigating factors. There is no down payment required for a VA loan. Another way to fund your down payment is with gift money from relatives.

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The prospect of searching for a loan when you have bad credit can cause people a lot of anxiety. You may think that because of your poor credit history, no bank would ever lend you the money you need to own your own home, so why even apply?

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