Well... that's a loaded questions, and I'll defer to any lender who would like to answer. But I can give you some guidelines/scenarios. It depends on why your score is bad. You can have a bad score (let's say, 590) because of credit cards and other th ings, but if the credit check reveals that you always paid your rent on time while you failed to pay your other reported debts, you might qualify for a mortgage. However, you could have a 700 score, paying all your loans on time EXCEPT for your rent, and you wouldn't qualify. See how that works? go to a lender you trust, and figure out where you are and what you can qualify for. And think about this: you may not qualify for a loan now, but with good credit management, you might qualify in as little as six months. Find yourself a lender and listen to them.