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another advantage of fha loans is that fha does not require a credit scoring item called a fico fair issac company score so if you have no credit at all you may still qualify for a fha loan if you have some credit you will typically need a minimum middle credit score of 580 to qualify for a fha loannother advantage of fha loans is that fha does not require a credit scoring item called a fico fair issac company score so if you have no credit at all you may still qualify for a fha loan if you have some credit you will typically need a minimum middle credit score of 580 to qualify for a fha loan
an fha loan has lenient credit score requirements the minimum credit score required is 500 but your down payment must be at least 10 % if your credit score is over 580 then you can get an fha loan with a down payment of 3 5 %as of 2015 there is at least one lender approving fha loans for borrowers with scores down to 550 with an ltv maximum of 90 % for borrowers with sub 620 scores the lenders have tougher requirementshile there is a minimum credit score required to qualify for a home loan there is not a minimum credit score required private mortgage interest pmi is generally required when a borrower has less than a 20 % equity stake in the home