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Fha Loan - score 650

aman31
New Contributor

Fha Loan - score 650

I got a preappoval on an FHA loan. I'm currently under contract for a lot/home purchase. I have to be conditionally approved within 30 days. Is 650 a strong enough score for the FHA? Today the underwriter started asking questions on my student loans. They were recently transferred and one is missing from my credit report. I'm so scared that I'll lose the loan. Help me sleep tonight Smiley Happy

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dragontears
Senior Contributor

Re: Fha Loan - score 650


@aman31 wrote:

I got a preappoval on an FHA loan. I'm currently under contract for a lot/home purchase. I have to be conditionally approved within 30 days. Is 650 a strong enough score for the FHA? Today the underwriter started asking questions on my student loans. They were recently transferred and one is missing from my credit report. I'm so scared that I'll lose the loan. Help me sleep tonight Smiley Happy


Take a deep breath. 

650 middle mortgage score is plenty fine for FHA. 

The underwriter is asking about student loans most likely for DTI reasons and it has nothing to do with your score. 

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aman31
New Contributor

Re: Fha Loan - score 650

Take a deep breath......yes, I need to do this a lot!!! Thank you! 

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