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FHA – (Federal Housing Administration) Government insured loan with 3.5% down payment. FHA is not credit score driven. Teresa has done FHA loans before where the buyer has had a 525 Fico. The most important thing to remember about how FHA views credit is “have you been able to pay your bills on time in the last 12 months?”, if the answer is yes, Teresa can probably do an FHA loan for you. You have to income qualify. Loan limits subject to change… call for loan limit update.