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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.
1 In order to qualify for a FHA loan you will need to maintain a credit score of 500-620 and maintain a handle on your debt. 2  You should also establish a steady income over a period of two to three years. 3  You can also look into getting a VA loan if you are a veteran.