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Your income, relative to the amount of money you’re borrowing, is another key consideration. If this looks healthy, it’s possible to be approved for a mortgage with a bad credit score, although perhaps not with the best terms. The amount of weight put on your credit score and your income will differ.
Buying a Home with Bad Credit but Good Income – Get a mortgage. Consider applying for bad credit mortgage loans if you feel you can get approved. Your costs to finance will be higher, but bank financing does exist for people with bad credit but good income levels. You may not be able to qualify for a no money down loan, but qualification in itself is a victory.
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But as certified financial planner kathryn hauer points out, even good debt can go bad if you can’t afford. it’ll have a negative impact on your credit score, so you’ll have a harder time.
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