Can You Get a Mortgage with a 580 Credit Score? Yes — Here’s How!

Yeah, I’ve actually worked with buyers in the 580 range more than once. One couple in particular comes to mind—they were convinced they’d have to wait years before getting a home, but after some research and connecting with the right lender, they managed to get approved for an FHA loan. It took a bit more paperwork and patience, and they did have to put down the 3.5%. But honestly, having steady income and being able to show consistency made a huge difference for them. Sometimes it’s less about the number itself and more about the whole financial picture.

It’s encouraging to see stories like this shared, especially since there’s a lot of misinformation floating around about credit score requirements. I’ve seen similar situations play out—buyers with scores in the high 500s or low 600s often assume they’re out of the running, but that’s not always the case. The key, as you mentioned, is finding a lender who’s willing to look at the full picture.

I think this part really sums it up:

Sometimes it’s less about the number itself and more about the whole financial picture.

Couldn’t agree more. Lenders are definitely looking at stability—steady employment, manageable debt-to-income ratios, and a history of making payments on time. I’ve worked with clients who were surprised by how much weight those factors carried compared to just the credit score alone.

That said, I do think it’s important for buyers to be realistic about what comes with a lower score. The process can be slower, and there’s usually more paperwork involved. Sometimes you’ll get hit with higher interest rates or stricter conditions on the loan. But if you’re prepared for that and have your documentation in order, it’s far from impossible.

One thing I’d add from my own experience: don’t underestimate the value of patience. Deals can fall through at the last minute if something unexpected pops up in underwriting—especially with borderline credit scores. But if you’re persistent and keep your finances organized, there’s a good chance things will work out.

It’s not always a straightforward path, but seeing buyers get into homes when they thought it was out of reach is one of the most rewarding parts of this business.

It’s refreshing to see someone point out that credit score isn’t the only thing lenders care about. I’ve seen buyers with a 580 get approved, but it’s definitely not a walk in the park. You nailed it—steady job history and low debt-to-income can tip the scales, even if the score is on the lower end.

Here’s how I usually break it down for folks who come in worried about their score:

1. Get all your paperwork ready upfront. Pay stubs, bank statements, tax returns... the more organized you are, the smoother it goes.
2. Be honest about your situation. Lenders can work with a lot, but surprises in underwriting are what kill deals.
3. Expect higher rates and possibly more conditions. It’s just part of the game at that score range.
4. Patience is huge. There’s always that last-minute hurdle—sometimes it feels like they pop up just for fun.

I’d add, sometimes people get discouraged by the rate or the hoops, but if owning is the goal, it’s worth sticking it out. I’ve seen folks start at 580, get in the door, and then refinance down the line once their situation improves. It’s not always pretty, but it is doable.

Title: Can You Get a Mortgage with a 580 Credit Score? Yes — Here’s How!

Honestly, I was super intimidated when I first looked into mortgages with my 580 score. The paperwork part hit me hard—felt like I was drowning in forms for weeks. But the advice about being upfront is spot on. My lender appreciated the transparency, and it actually made things smoother than I expected. Rates weren’t great, but getting my foot in the door mattered more at the time.