Is it better to go through a mortgage lender or a bank to apply for a FHA loan?My husband and I are interested in purchasing a house in the next year or so. We have spent the last year getting out of debt & cleaning up our credit. Our current credit score is 628 (my low) and 700 ( his high). We are both teachers and will need to apply for a FHA loan in order to buy. Is it better to approach a bank or an approved mortgage lender to get pre-approved for a loan? Also, is it a good idea to maintain our pre-approval by re-applying every 90 days or should we wait to apply until we are closer to being able to purchase?December 29 2010 - Sunnyvale0YesReport 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.