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Thereâs no credit score minimum, but most FHA lenders prefer a score of at least 620. In 2014, some lenders theoretically dropped their minimum score to 580, but lenders have generally set higher standards since the mortgage meltdown.
Will my credit score be a factor when I apply for a home loan? If your score is 580 or better, you can apply for a government-backed loan with the Federal Housing Administration. In many cases, FHA loans have made it possible to qualify for a home loan with a low credit score.