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Can I get a mortgage with under 580 FICO credit scores?
You can qualify for a FHA loan with credit scores between 500 FICO and 579 FICO, however, the minimum down payment requirement for FHA loans under 580 FICO credit scores is 10% down payment. In order for you to qualify for a 3.5% down payment mortgage loan, your credit scores needs to be at 580 FICO or higher. Here is an article I wrote about getting a residential mortgage loan with credit scores under 580 FICO.



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