Zillow Advice RSS: Question-Discussion-Guide,Mortgage Types,Portland- ME http://www.zillow.com/advice/Portland-ME/mortgage-mortgage-types/question-discussion-guide/mortgage/?s=0 Zillow Advice search results | Zillow Real Estate Do both spouses need good credit to qualify for an FHA or RD mortgage? http://www.zillow.com/advice-thread/Do-both-spouses-need-good-credit-to-qualify-for-an-FHA-or-RD-mortgage/335390/ 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...).&nbsp; We'd like to become first time home buyers.&nbsp; Is it possible to qualify for an FHA/RD <a href="http://www.zillow.com/mortgage/">mortgage</a> with these credit scores?&nbsp; Also, is it better to go through a <a href="http://www.zillow.com/directory/lenders/">mortgage broker</a> or directly through a <a href="http://www.zillow.com/directory/lenders/">lender</a> (when seeking these types of loans)?&nbsp; Thanks for the advice!<br \><br \>12 replies Thu, 18 Mar 2010 22:16:00 GMT http://www.zillow.com/advice-thread/Do-both-spouses-need-good-credit-to-qualify-for-an-FHA-or-RD-mortgage/335390/ 2010-03-18T22:16:00Z