Credit is not the whole file. Equity and occupancy still matter.
A low score is a constraint, not a personality. FHA, VA, and recent-credit-event Non-QM exist because conventional is not the only sheet. I will not promise a score cutoff as a website quote.
- Name the event (BK, FC, late pays) — overlays differ.
- Down payment and reserves often matter more than the FICO theater.
- If the house is an investment, it is a different stack.
FHANon-QM / credit eventLet's sort this
- What score do I need?
- Overlays differ by program and wholesaler. I will not invent a cutoff on this page.
Not an approval. Not a rate. Overlay at lock. NMLS #1858674.