Buying A House When One Spouse Has Bad Credit May 2026

Certain government-backed loans have more lenient credit requirements than conventional mortgages:

: These programs technically have no minimum credit score requirement, though individual lenders often set their own "overlays" (typically around 580-640). buying a house when one spouse has bad credit

: Add the spouse with bad credit as an authorized user on the higher-credit spouse's oldest, well-maintained credit card. well-maintained credit card.