September 22, 2021

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FHA Loans And Credit: What Is The Lender Looking For?

When first-time FHA borrowers submit their loan applications to the lender, it’s natural they might feel nervous about the outcome of the lender’s review of the application data.

Will the borrower’s occasional credit missteps or isolated credit problems negatively affect the ability to get FHA loan approval?

FHA rules for lenders include a long list of requirements for the credit check, which includes the following:

“Past credit performance is the most useful guide to

Joe Wallace - Staff Writer

By Joe Wallace

December 22, 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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