Can You Get a Mortgage with a Low Credit Score?

Yes! While traditional lenders often have strict credit requirements, there are mortgage options available for borrowers with less-than-perfect credit. At Edge Home Finance, we connect you with lenders who provide financing solutions tailored to your situation. Whether you’re a first-time homebuyer or looking to refinance, we’ll explore every option to find the best loan program for you.

Loan Options for Borrowers with Low Credit Scores

We offer access to a variety of mortgage programs designed specifically for those with lower credit scores, including:

• FHA Loans – Backed by the Federal Housing Administration, FHA loans allow for lower credit scores and require a minimum down payment of just 3.5%.
• VA Loans – For eligible veterans and active-duty military members, VA loans offer zero down payment and flexible credit requirements.
• USDA Loans – Ideal for rural homebuyers, USDA loans provide 100% financing with low credit score acceptance.
• Non-Qualified Mortgage (Non-QM) Loans – These loans cater to borrowers who don’t meet traditional lending criteria, offering alternative income verification methods and more flexible credit standards.
• Conventional Loans with Compensating Factors – Some lenders may approve lower credit scores if you have a larger down payment, steady income, or strong assets.

How Edge Home Finance Helps You Get Approved

At Edge Home Finance, we take a personalized approach to mortgage lending. Our team works closely with you to assess your financial situation, understand your goals, and match you with a lender that offers the best possible terms. Even if your credit score isn’t where you’d like it to be, we provide guidance on improving your credit, increasing your chances of qualifying for better loan options in the future.

Why Choose Edge Home Finance in Tulsa?

• Expert Guidance: Our experienced mortgage professionals specialize in low credit score loans, helping you navigate the mortgage process with confidence.
• Wide Lender Network: We work with multiple lenders, ensuring you get the best possible loan options—even with a lower credit score.
• Fast & Hassle-Free Process: We streamline the mortgage application, so you can focus on finding the perfect home.
• Credit Improvement Strategies: If you don’t qualify today, we’ll guide you on steps to boost your credit score and secure a better loan.

Start Your Journey to Homeownership Today!

Don’t let a low credit score stop you from achieving your dream of homeownership. At Edge Home Finance, we’re committed to helping borrowers in Tulsa find mortgage solutions that work for them. Contact us today for a free consultation and take the first step toward owning your home!