A credit score of 450 is considered very poor, and most lenders will not approve a home loan for someone with a score that low. However, there are a few lenders who will work with borrowers who have poor credit scores, and there are also a few programs available that can help you improve your credit score. If you are able to get a home loan with a 450 credit score, the interest rate will likely be very high and the terms of the loan may be less favorable than those offered to borrowers with better credit scores. It is important to shop around for the best deal and to be prepared to offer a large down payment.