: These are the most common choice for bad-credit buyers. You can qualify with a credit score as low as 500 if you have a 10% down payment, or 580 with just a 3.5% down payment.

: Some local credit unions, such as Utah First , offer flexible products for those with recent bankruptcies or foreclosures. Down Payment Assistance Programs

Several loan types specifically cater to borrowers with less-than-perfect credit in Utah: