Rocket Mortgage might be the lender that can give you the best deal. While most mortgage lenders look for a minimum credit score of 620, Rocket Mortgage accepts applicants with lower credit scores at 580 for some loan options.

The lender even has a program called the Fresh Start program that’s aimed at helping potential applicants boost their credit scores before applying. Keep in mind, though, that if you apply for a mortgage with a lower credit score, you may be subject to interest rates on the higher end of the lender’s APR range.