Credit Score Not Perfect? Here’s How Buyers Are Still Winning

If you’ve been told “you need a 740+ credit score to buy a home,” let’s just say… that’s outdated advice.

Today’s buyers are qualifying — and closing — with credit scores as low as 580, and sometimes even below that with the right structure.

Here’s how:

✅ FHA loans allow for low-credit, low-down options

✅ Manual underwriting can be used for unique cases

✅ Non-QM programs offer flexible options for self-employed or rebuilding borrowers

✅ DPA can sometimes help cover closing costs and reduce the cash burden

✅ Credit simulators + strategic paydowns can boost scores in days, not months

I’ve helped buyers improve their scores 30–60 points in a single week with a few targeted changes — enough to lock in better terms and qualify for a broader set of programs.

You don’t need perfect credit. You need a plan.

If credit is the thing holding you (or your clients) back, let’s change that. The road to approval might be shorter than you think.

#DailyPost #CreditHelp #FHALoans #MortgageApproval #HomeBuyingTips #MikeBelforMortgage