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It is part of the Department of Housing and Urban Development, and the loans FHA insures are aimed at first-time homebuyers and those with poor to fair credit. Borrowers can qualify for an FHA-backed mortgage with down payments as small as 3.5 percent, even with a credit score as low as 580, which could signal a past bankruptcy or debts sent to collection. The average credit score of an FHA borrower in the third quarter of last year was 679, a credit worthiness considered to be fair. There are limits on the price of a home loan the FHA will back. What did the Trump administration do? The

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