Buying a home with credit concerns.

Worried your score is going to keep you out of a home? It probably won't. Join a 45-minute walkthrough of what lenders actually care about — and what you can do about it.

Hosted by

Uqual

What we'll cover

The questions you're actually asking.

Six things every credit-concerned buyer wants to know — answered straight, in plain English.

Can you buy with poor credit?

What "poor" actually means to a lender — and how flexible the bar can be when other factors are strong.

Minimum credit by loan type

FHA, VA, USDA, conventional, and non-QM each have different floors. We walk through every option.

How long does credit repair take?

Realistic timelines for the most common credit-repair scenarios — and what a 30/60/90-day plan looks like.

Credit-repair cost options

DIY, free counseling, and paid credit-repair services — when each makes sense.

Credit-building assistance

Rent reporting, secured cards, authorized-user accounts, and other moves that actually move the needle.

What matters beyond credit

Income, savings, debt-to-income ratio, and job history can offset a less-than-perfect score.

Loan Readiness Partner

Need help before you apply? Meet Uqual.

Uqual is the loan-readiness program TruView and New American Funding use to help borrowers improve credit, manage debt, and save for a down payment — so when you're ready to apply, you actually qualify.

+45pts

Average credit score increase across all 3 bureaus

14items

Removed from credit reports, on average

$500credit

Lender credit at closing for program completers

One-on-one coaching to get you mortgage-ready.

Most credit-concerned buyers are closer to qualifying than they think. A Uqual loan-readiness expert builds a custom plan, walks you through it, and tracks your progress in a digital portal until you're ready to apply.

Get started with Uqual

Credit score enhancement and report-item removal

Debt-to-income ratio optimization

Down-payment savings strategies

1-on-1 coaching from a loan-readiness expert

Budgeting tools and progress tracking via digital portal

Exclusive pricing for NAF and TruView customers

Stats based on NAF customers who started Uqual enrollment April 2024 or later and stayed enrolled at least 3 months. Credit increases reflect averages across all three bureaus. Program eligibility, completion, and lender credit subject to terms.

Reserve your seat.

45 minutes. Free. No pressure. Pick a session that works for you.

Can't make a webinar?

Start application

FAQ

Common questions.

It depends on the loan type. FHA loans can start at 580 with a 3.5% down payment (and 500 with 10% down). Conventional loans typically want 620+. VA and USDA loans don't set a hard minimum but most lenders want 580–640. Your TruView loan officer can walk through what you'd qualify for today.

Not necessarily. Every situation is different. Sometimes a short credit-repair plan unlocks a much better rate; sometimes a non-QM loan or a co-borrower makes today's score work. Talk to a loan officer before you assume you can't qualify.

Generally 2 years after Chapter 13 discharge, 4 years after Chapter 7, and 3–7 years after foreclosure depending on the loan type. There are exceptions for hardships like medical emergencies or job loss.

A soft pull to see what you qualify for doesn't affect your score. The hard pull happens when you formally apply — and even then, multiple mortgage inquiries within a 14–45 day window count as a single inquiry.

Yes — manual underwriting and alternative tradelines (rent, utilities, insurance) can substitute for traditional credit. It takes more documentation but it's a real path.

Your TruView loan officer's consultation is free. If you need formal credit-repair services, we can recommend trusted partners — paid services are optional, not required.