FHA Loans – Minimum Credit Scores Reduced

Effective January 15th 2011, it will be easier to qualify for an FHA loan with Homes Services Lending.  The new FHA minimum credit scores will be reduced from 600 to lower thresholds as follows:

  • Credit score 500 – 579 allowed with maximum 90% LTV

  • Credit score 580 – 599 allowed with maximum 95% LTV

  • Credit score 600 – and higher allowed with maximum 96.5% LTV
Additional requirements may have to be satisfied.

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