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chase home refinance rate fha loan appraisal too low FHA Loan Rules for Credit Scores That Are Too Low The FHA Single Family Loan Handbook, HUD 4000.1, states that borrowers with FICO scores below 500 are not eligible for fha mortgages. home loan approval is technically possible under the FHA mortgage loan program for first time buyers with FICO scores between 500-579, but there will be a higher down payment required.