Can I Buy a House with a Low Credit Score? Insights from Kitsap Realtor Expert Bre Enbom

If you’re dreaming of buying a home on the Kitsap Peninsula but worried your credit score might hold you back, you’re not alone. Many buyers in Port Orchard, Bremerton, Silverdale, Poulsbo, and surrounding areas wonder whether purchasing a home is possible with less-than-perfect credit. The good news? Yes—you can buy a home with a low credit score, and there are several pathways that can help you achieve homeownership sooner than you think.

Understanding Minimum Credit Requirements:
Different loan programs have different credit score requirements. FHA loans are among the most flexible, allowing scores as low as 580 with a 3.5% down payment. Some lenders will even approve FHA loans for scores between 500–579 with a higher down payment. VA loans—available to qualifying veterans—don’t have a set minimum credit score, though most lenders prefer 580–620. Conventional loans typically require a higher score, often 620+, but first-time buyers may qualify with more lenient terms depending on their financial profile.

Programs That Help Low-Credit Buyers in Washington State:
Here in the PNW, several programs can make homeownership more accessible. The Washington State Housing Finance Commission (WSHFC) offers down payment assistance and first-time buyer programs designed to help those with limited savings or imperfect credit. Local lenders across Kitsap County also have flexible underwriting and alternative pathways to approval.

Your Credit Isn’t Everything
Lenders look at the whole picture—not just your score. Stable income, low debt-to-income ratios, documented rental history, and consistent employment can significantly strengthen your application. Working with a local lender familiar with Kitsap County can also help uncover loan options that national lenders may overlook.

How to Improve Your Chances
If your credit is on the lower end, a few strategic steps can help:
• Pay down credit card balances
• Avoid opening new accounts
• Dispute errors on your credit report
• Build a history of on-time payments
• Get pre-approved with a lender who specializes in low-credit loans

The Bottom Line
Buying a home with a low credit score is absolutely possible—especially in a supportive market like the Kitsap Peninsula where local lenders and programs make a real difference. With the right guidance, you can take confident steps toward homeownership.

For personalized support and lender recommendations, connect with Bre Enbom, Kitsap Peninsula Realtor and trusted local expert.