It’s possible to obtain a mortgage with virtually any kind of credit. But the rates will increase as the credit score
decreases. People with lower credit scores may not have access to all the mortgage loan programs available to those with higher credit scores. If you have a poor credit score, certain other factors can mitigate it. These include: a funded 401(k), long-term employment, lots of cash in the bank, a low debt-to-income ratio (DTI), a low loan-to-value ratio (LTV) on the mortgage, and shorter terms.