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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
Lower credit score and down payment requirements. The FHA requirements for credit score and down payments are far lower than for conventional loans. Borrowers can technically qualify for an FHA loan with credit scores of at least 580 and a down payment of just 3.5 percent, according to HUD.HA mortgage rates are typically lower than mortgage rates on conforming loans. FHA Borrowers with credit scores of 660 will often qualify for the same interest rate as would conventional borrowers with a score of 740, says Blair-Gamblian.