first‑time homebuyer low credit score
How One Borrower Beat Mortgage Rates?
How One Borrower Beat Mortgage Rates? One borrower lowered his mortgage rate by 1.3 percentage points through a subprime loan and a community-bank partnership, despite a credit score under 620. He combined a USDA-guaranteed program with a local credit-counseling clinic, proving that low-score buyers can still secure affordable financing.