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
Selling and buying a home with bad credit in 2026 is feasible but requires navigating stricter lender requirements and higher costs. While selling is generally unaffected by your credit score, buying depends heavily on government-backed programs like FHA and VA loans, which offer more flexibility than conventional options. selling and buying a home with bad credit
Your credit score typically has little impact on your ability to sell a home because you are the one receiving the proceeds. However, there are two key considerations for 2026: In late 2025, Fannie Mae and Freddie Mac