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This Mortgagee Letter introduces new minimum credit scores and loan-to- value ( LTV) ratio requirements for FHA-insured loans. Effective Date.
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When you get a FHA loan, there’s no credit score required, while other conventional loans, VA loans, and USDA loans have a minimum credit score requirement of 620. Of course, there can be some exceptions if someone has a legitimate reason; it all depends on the situation.
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