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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
What You Should Know About FHA Loan Eligibility. 1  If the borrower's minimum credit score is above 580, they are eligible for maximum financing under FHA loan rules. 2  If the borrower's minimum credit score is between 500 and 579 the borrower is limited to a maximum LTV of 90%.