Can I still get a mortgage with poor credit?

Yes, getting a mortgage with poor credit is possible, but it requires careful planning. Lenders may offer options such as FHA loans, which have lower credit score requirements and more flexible qualification criteria. Subprime lenders also cater to borrowers with lower scores, though at higher interest rates. Improving your credit score before applying, even slightly, can help you secure better terms. You might need a larger down payment to offset the risk perceived by lenders. Having a stable income and low debt-to-income ratio can strengthen your application. Working with a mortgage broker can help you find specialized lenders. Consider a co-signer with strong credit if needed. Patience and preparation can significantly improve your chances.