It is still possible to apply successfully for a competitive home loan, even if your score is not high. Along with conventional home loans, we can connect you with a number of mortgage products that are backed by the government. These include VA mortgages, USDA loans, and FHA loans. Because the VA, USDA, and FHA respectively guarantee these loans, they are not as risky for lenders as conventional mortgages would be for the same customers. As a result, it can be easier to qualify for these types of home loans while still enjoying competitive mortgage rates.