Bad Credit Options
Credit challenges happen — and you still may have options. This page explains the landscape in plain language (without hype).
Credit score ranges (simplified)
- Excellent / Good: more lender choices.
- Fair: approvals may rely on down payment, income, and property factors.
- Poor: specialized programs may exist, often with higher borrowing costs or more cash down.
Requirements vary by lender and state.
What to expect (typical)
- Higher borrowing costs vs top-tier credit (pricing depends on credit and other factors).
- Down payments may be larger (often 10%–30%, varies by lender).
- More documentation to verify income and stability.
Program examples you might hear about
Some borrowers explore programs like FHA Title I or other specialized manufactured home lenders. Eligibility depends on the home, land situation, and lender guidelines. (Varies by lender and state.)
If your home is on leased land, you may see chattel loan options.
Credit improvement (general tips)
- Pay down high-utilization credit cards (even small reductions can help).
- Make on-time payments consistently.
- Check your report for errors and dispute inaccuracies.
These are general tips — consult professionals for personalized guidance.
Let’s find a lender who works with your situation
Share a few details and we’ll connect you with licensed lending partners who can explain real options in your state.