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A lot of people think bad credit kills any chance of buying a house. That’s not really true anymore. Bad credit mortgage loans exist for a reason, and many buyers qualify with scores around 580 if their income is stable and recent payments are clean. FHA loans and home lenders for bad credit look at the full picture, not just the number. Prequalifying early helps you see what’s realistic and what to fix before applying. Bad credit doesn’t end the dream—it just changes the path.
