FHA Credit Score Explained: 500 vs 580 — What Changes?
FHA does not set a single minimum credit score for approval, but the difference between a 500 and a 580 score can significantly impact your down payment, underwriting process, and approval timeline.
In this short video, I explain:
• What FHA really looks at
• Why most approvals happen at 580+
• When scores below 580 may still work
• The smartest path for Kentucky homebuyers
If you’re thinking about buying a home in Kentucky and want clear, honest guidance, reach out anytime.
Call/Text: 502-905-3708
Licensed Kentucky Mortgage Broker
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