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Got Lousy Credit? 10 Places Where It Won’t Stop You From...

No credit? Charleston, WV Median home list price: $147,300 Share of borrowers with a 649 FICO score or lower: 39.1% Although the state capital of West Virginia is a college town, the city's overall population is aging. This has opened the door for first-time buyers seeking move-in ready, three-bedroom homes near downtown, says local real estate agent Margo Teeter of Old Colony Realtors. "Someone with poor credit ... has to go where the [home] prices are lower, " says Monique Youngblood, mortgage broker with US Mortgage Lenders. Buyers can find new homes in South Lakeland for around $180,000, says local Realtor® John Martinez of Coldwell Banker Residential Real Estate. Those programs require a minimum credit score of 620 and can include 100% financing for those who qualify. Median home list price: $936,050 Share of borrowers with a 649 FICO score or lower: 4.3% The market in Santa Cruz may not be quite as crazy as it is just over the hill in San Jose (where homes are a median list price of $998,000). Ann Arbor, MI Median home list price: $350,000 Share of borrowers with a 649 FICO score or lower: 6% Ann Arbor, home of the University of Michigan, is the quintessential college town, dotted with circa 1900 brick and wood-frame homes. Durham, NC Median home list price: $356,300 Share of borrowers with a 649 FICO score or lower: 7.2% Every Tuesday, when James, the Urban Durham Realty owner, asks her 25 agents to raise a hand if they’ve put in or received offers on homes for their clients in the past week, almost all hands are in the air. Most buyers need to be able to meet the strict requirements and high credit scores for a jumbo loan.