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Get Preapproved For A Fha Loan Fha Loan Credit Requirement FHA Requirements Credit Guidelines That FHA Lenders Follow. Before approving a loan, the lender analyzes the integrity of the borrower’s past credit performance. Based on FHA requirements, those who have a good credit history demonstrated by a solid track record of timely payments will likely be eligible for a loan.The reasoning is that the FHA has already valued the property, and most of the work it takes to get an FHA loan has already been done. So the do-over is not overdone. Of course, mortgages are rarely.Requirements To Get A Home Loan Fha Financing Requirements What Are Minimum Property Standards? According to the U.S. Department of Housing and Urban Development (HUD), the FHA requires that the properties financed with its loan products meet the.