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First Time Home Buyers Minimum Credit Score for 2018. – 2018 will bring many changes to Hillsborough, Pinellas & Pasco County mortgage loan programs for first-time buyers. FHA Home Loans: First-time home buyers are likely to wonder about the kind of credit requirements are needed for an FHA mortgage. The Federal Housing Administration, or FHA, requires a credit score of at least 500 to buy a home with an FHA loan.
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