Compare Mortgage Rates for Poor Credit (540) - Feb 13, 2026
In this range, options are limited—you may qualify for FHA or specialized programs, but rates and fees will be higher and the impact on lifetime cost is large. Your credit score has a huge impact on what you pay. Improving your score before applying can make a major difference.
If you have time before buying, optimizing your credit can pay off. Use the rates below to see what you qualify for now, then revisit after you’ve boosted your score to see how much the loan changes.