Where can I get mortgage with bad credit ?

With bad credit and a 3-week deadline, contact multiple mortgage lenders immediately and get pre-approved. FHA loans are commonly used for lower credit scores, with a 580 minimum for 3.5% down and 500–579 requiring 10% down. Conventional loans backed by Fannie Mae and Freddie Mac don’t have a strict minimum score in guidelines, but most lenders still look for around 620+ in practice due to overlays. Shop banks, credit unions, and mortgage brokers, brokers often have more flexibility since they can access multiple lenders, while banks follow their own guidelines. A 3-week closing timeline is very tight and will require full documentation, income verification, and an appraisal. If qualifying is difficult, consider adding a co-borrower or requesting more time. Acting quickly and comparing lenders is critical.

You should consult with a reputable local lender to discuss your options. Your ability to get a mortgage will depend on so many factors, not just one credit score. You may also want to consult your divorce attorney because it sounds like you may need to purchase your ex-husband\'s portion of the home if it was to be sold and the proceeds divided between you per the divorce decree. Most mortgage lenders need 3-4 weeks of escrow to complete a new mortgage, but again, that\'s when you should consult a highly rated and reviewed mortgage lender. If you need a referral to one, please message me and I can see if my preferred lender has a referral to your area.