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Texas FHA loans

Credit Scores and FHA Loans

Although the Federal Housing Administration (FHA) only requires a 580 FICO score to qualify for the 3.5% minimum down payment requirement, borrowers are hard pressed to find a direct lender or an approved FHA Lender to extend a mortgage loan with such a low FICO score.               

                    fha loan qualifications

Most commercial lenders and big banks use 640 as the credit score criteria to qualify a home buyer. Logic is simple, the higher the credit rating, the less the likelihood of defaulting on their mortgage loan. will extend an FHA mortgage to borrowers with scores as low as 580 with compensating factors. 

As long as the borrower gets approval from either Fannie Mae or Freddie Mac’s automated underwriting system (AUS), and they meet all the criteria and requirements, they can get an FHA loan. After all, we are the, the best FHA lender in Texas.

Non-medical collections and charged-off accounts do not have to be paid either. While most lenders require these items to be paid, our investors at will not require previous collection accounts to be paid off prior to closing on your loan.

For more information regarding credit score requirements, contact us at 281-860-2533 or use any of the tools on this website.



by nico2me



Equal Housing Lender

An FHA Loan Specialist Available to Help You

Our FHA Loan Specialists are always available to help you and answer any questions. You may contact a dedicated FHA Loan Specialist through our website or by calling us directly.

We make the FHA Loan Process Quick & Easy

It’s not a secret that lenders often times will steer their clients away from an FHA loan due to their inexperience with the process. We find FHA Loans to be a great source of funding for our clients. We share our knowledge and experience with FHA loans, making it easier to get compared to conventional financing.

FHA Approved Lenders

The Federal Housing Administration requires lenders offering FHA loans to go through an extensive approval process. We are an FHA approved lender specializing in FHA Loans in Texas.