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Important FHA Guidelines Credit Score - FHA Loan applicants must have a minimum FICO® score of 580 to qualify for the low down payment advantage which is currently at 3.5%. If you have a credit score lower than 580 you will have to put down 10% to qualify for the loan Occupancy Requirements - The FHA requires borrowers to occupy the property they're buying and use it for their primary residence for at least one year. By FHA standards, a primary residence is one in which the homeowner occupies th
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