In late 2025, Fannie Mae and Freddie Mac removed the strict 620 minimum score for conventional loans, moving to a broader risk evaluation that includes rental and utility payment history. Despite this, government-backed loans remain the most accessible: How to buy a house with bad credit | Rocket Mortgage
: Any outstanding judgments or tax liens tied to your credit history must be paid off from the sale proceeds before you receive any cash. selling and buying a home with bad credit
: New 2026 regulations require appraisers to provide more detailed digital documentation. If your home has deferred maintenance due to past financial struggles, it may be flagged more easily , potentially jeopardizing a buyer's financing. Buying with Bad Credit In late 2025, Fannie Mae and Freddie Mac