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What are the FHA Loan Requirements

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What are the FHA Loan Requirements

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To take advantage of the FHA loan’s 3.5 percent down payment, you’ll need a credit score of at least 580. Borrowers with credit scores below 580 may be able to qualify with a 10 percent down payment. But it’s also important to understand that FHA lenders can have credit score minimums that exceed what the government requires. If you’ve filed for bankruptcy, you’ll need to be at least two years removed from the filing and have since established good credit. If you’ve experienced a foreclosure, you must be three years removed for the foreclosure. Guidelines and policies on credit can vary by lender.

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    9393 W. 110th Street, Suite 500, Overland Park, KS 66210

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    Neverrest Mortgages, LLC
    7300 W. 110th St Suite 700 – 8025
    Overland Park, KS 66210
    Email: stever@neverrestmortgages.com
    (913) 232-9232

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