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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.
Luckily we are not one of them. Our minimum credit score to qualify for home loan financing through FHA is still 620. We will still require that as a borrower you have at least three active accounts (tradelines) all of which have reported for at least 12 months.