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Current Fha Rates fha bad credit loans 2019′s Best "Home Loans for Bad Credit" – (BadCredit.org. – Due to their insured nature, FHA loans are perhaps some of the easier home loans to qualify for with bad credit, generally approving people with fico credit scores as low as 580. However, because the lenders (not the FHA) do the actual lending, they can set their own requirements, so.Because mortgage rates have recently fallen and home price growth has decelerated in many markets, credit availability may stabilize at its current levels.” More Real Estate: It’s best to make.