All loans are credit score driven but FHA credit guidelines are not as stringent as a conventional loan. FHA underwriters focus primarily on credit over the last 24 months. FHA underwriters will look at credit to establish an ability to pay. FHA underwriters use common sense in the way they approach your loan and want to make sure there is a benefit for you and your family.
Today 640 is common credit score minimum used by FHA lenders. There are still a few government programs with minimum
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