If you have a low credit score, the type of mortgage loan you would have the best chance of qualifying for is typically the Federal Housing Administration (FHA) loan. FHA loans are designed to help borrowers with lower credit scores and generally have more lenient credit score requirements compared to conventional loans. They typically allow for a credit score as low as 580 with a 3.5% down payment, or even lower scores with a higher down payment.
Other options, like USDA and VA loans, may also have flexible criteria, but they can have specific eligibility requirements that might not align with your situation. Conventional loans are generally less accommodating to low credit scores. So, in most cases, an FHA loan would be the most accessible option for individuals with low credit scores.