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How I Got Approved for a Mortgage With Bad Credit
How I Got Approved for a Mortgage With Bad Credit
Buying a home with bad credit isn't easy — but it’s definitely possible. I lived it myself. Here’s the real breakdown of how I got approved for a mortgage with bad credit in 2025, and what you can learn from my experience.
Step 1: I Fixed What I Could
- ✔ Paid off small debts to improve my debt-to-income ratio
- ✔ Disputed old credit report errors
- ✔ Opened a secured credit card to build new positive history
Step 2: I Chose the Right Loan Program
- ✔ FHA loan with 3.5% down (allowed with credit scores as low as 580)
- ✔ Found a lender experienced with bad credit approvals
Step 3: I Wrote a Credit Explanation Letter
Some lenders allow you to explain past financial issues. I attached a letter explaining medical bills and temporary unemployment that hurt my score. It actually helped my approval odds!
Step 4: I Saved for Extra Costs
- ✔ Larger down payment helped offset my lower credit score
- ✔ Budgeted for higher interest rates and mortgage insurance (MIP)
My Final Tip
Be honest with your lender, improve what you can, and be ready to shop around. Getting a mortgage with bad credit takes effort — but it can absolutely be done.
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Labels: mortgage with bad credit, bad credit home loans, fha loan for bad credit, how to get mortgage with bad credit, credit repair mortgage tips
Search Description: Learn exactly how I got approved for a mortgage with bad credit — real steps, real advice, and what actually worked in 2025.
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