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credit score to buy a house 2018 take a loan against my house Would you love to have your own custom-built dream house. loans automatically convert to a mortgage when the home is completed. During the construction, the borrower pays interest on the loan but.The FHA has a minimum credit score requirement of 500 with a 10% down payment. You can pay just 3.5% down if you have a 580 or higher credit rating. However, just having a 580 fico score will not guarantee you will be pre-approved for a mortgage, there are other factors involved. qualifications for FHA loans:
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