What is the Easiest Mortgage to Qualify For?

Loans backed by the government may be the easiest way to qualify for a loan when your credit score is between 500-640. These types of loans include: FHA loans, which require a credit score of 500 with 10% down or 580 with 3.5% down; VA loans, which typically require a credit score of 580-620; USDA loans, which typically require a minimum credit score of 640.