| Credit Score | Best Options | Notes |
|---|---|---|
| 580-619 | FHA, VA, Non-QM | FHA allows 580+ with 3.5% equity. VA has no minimum. |
| 500-579 | FHA (10%+ equity), VA | Limited options. Higher rates expected. |
| Below 500 | Very limited | Consider credit repair first. FHA streamline with no credit check possible. |