Some smaller lenders and credit unions perform . Instead of letting an algorithm reject you based on a number, a human looks at your full financial picture—like your history of paying rent on time and your steady income. Pro-Tip: The "Rapid Rescore"

You might pay a bit more in interest now, but you can always refinance later once your credit improves.

If you’re a veteran or active-duty service member, the VA loan is arguably the best mortgage on the planet.