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For individuals facing the challenge of obtaining a home loan with low cibil score, exploring seller financing or "owner financing" can present a unique opportunity. In this arrangement, the seller acts as the lender, allowing the buyer to make payments directly to them instead of relying on a traditional mortgage. This option can be particularly appealing for those struggling with credit issues, as sellers may be more willing to negotiate terms based on individual circumstances. Additionally, seeking out government-backed loans, such as those offered by the Federal Housing Administration (FHA) or the U.S. Department of Agriculture (USDA), can be advantageous. These programs often have more lenient credit score requirements and lower down payment options, providing a potential pathway to homeownership for individuals with less-than-perfect credit. Investigating lease option agreements, where individuals can lease a property with the option to buy after a predetermined period, also offers a practical solution. During the leasing period, tenants can work on improving their credit scores while residing in the intended home, ultimately facilitating a smoother transition to homeownership. In summary, thinking creatively about financing options, exploring government-backed programs, and considering alternative arrangements with sellers can open doors for individuals with low CIBIL scores to achieve their homeownership goals.