If you have a lower credit score or a smaller down payment, you might consider an FHA loan or a VA loan to increase your home-buying power. FHA loans have more relaxed qualifying standards and can be a good option for those with lower credit scores. VA loans, available to veterans and their spouses, do not require a down payment and offer lower interest rates. Understanding your eligibility for these types of loans and considering their benefits can help you determine if they can increase your home-buying power.