That depends on the type of mortgage you are applying for. We also will assess your income, debt-to-income ratio, and employment status when making lending decisions. Many borrowers are surprised to learn that there are mortgage products aimed specifically at customers without perfect credit. Some examples include USDA loans, VA loans, and FHA loans. During your consultation, we can discuss these and other options with you. Something else to consider is your down payment. By making a larger down payment, you can compensate for some issues in your credit score. Plus, you may be able to raise your credit score before submitting your application. We will advise you as to how you can go about that process during your consultation.