Do both spouses need good credit to qualify for an FHA or RD mortgage?I have fair credit (654) but my husband's credit recently dropped to 565 (a medical bill went to the credit bureaus shortly before we paid it...). We'd like to become first time home buyers. Is it possible to qualify for an FHA/RD mortgage with these credit scores? Also, is it better to go through a mortgage broker or directly through a lender (when seeking these types of loans)? Thanks for the advice!March 18 2010 - Portland00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.