December 2, 2021

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FHA Loans and Credit Scores

FHA home loans take into account a variety of factors when a lender is trying to determine a borrower’s potential as a credit risk.

While the FHA does look for a record of on-time payments and other factors that make a borrower a good risk, the rules for FHA loans also require the borrower to use credit score information to help make the determination to approve or deny an FHA mortgage.

FHA rules state, “When a credit score is available, it must be used to determine eligibility for FHA insured financing.”

Joe Wallace - Staff Writer

By Joe Wallace

September 13, 2011

Joe Wallace has been specializing in military and personal finance topics since 1995. His work has appeared on Air Force Television News, The Pentagon Channel, ABC and a variety of print and online publications. He is a 13-year Air Force veteran and a member of the Air Force Public Affairs Alumni Association. He was Managing editor for for (8) years and is currently the Associate Editor for

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About was launched in 2010 by seasoned mortgage professionals wanting to educate homebuyers about the guidelines for FHA insured mortgage loans. Popular FHA topics include credit requirements, FHA loan limits, mortgage insurance premiums, closing costs and many more. The authors have written thousands of blogs specific to FHA mortgages and the site has substantially increased readership over the years and has become known for its “FHA News and Views”.

5850 San Felipe Suite #500, Houston, TX 77057 281-398-6111. is privately funded and is not a government agency.

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