For private money loans there is no min score but rate about 9-12% and fees about 4 points so it is expensive and you need 20-40% down, depending on the lender. FHA allows 500-579 FICO with 10% down. First Mortgage Does 500-529 FICO, First Gaurentee does 540-559, and Pacific Union does 560-579 FICO, anyhting above 580 requires 3.5% down and is available for down payment assistance programs if you can show 12 months housing history paid on time. United Mortgage does 580-599, Carrington 600-629, MWF 620-639 and everyone does 640+ FICO FHA with low rates, Today rates with no origination , discount points and under 1k broker/lender fees is about 3.75% with 640 FICO. Conventional loans require 620 FICO and most VA lenders will do 620 FICO. To answer your question, ZERO score is the lowest to get loan and if you can show you pay alternative bills ontime you can get FHA loan with 3.5% down. Private money will do any or no score based of property strength.