What is the current credit score cutoff for an FHA loan if I have a bankruptcy in my past that was discharged two years ago?
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The searches the AI actually ran for this prompt.
SEED QUERY
What is the current credit score cutoff for an FHA loan if I have a bankruptcy in my past that was discharged two years ago?
1 real search · 1 real-search pass
2026 FHA loan minimum credit score 580 500 HUD Chapter 7 bankruptcy two years discharge FHA handbook 4000.1Google ↗
OBSERVED
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Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
Classifying 1 queries…
Searches and sources
ChatGPT1 real searches · gpt-6
2026 FHA loan minimum credit score 580 500 HUD Chapter 7 bankruptcy two years discharge FHA handbook 4000.1 Google ↗
- Credit Requirements, FHA Handbook 4000.1 II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > A. Title II Insured Housing Programs Forward Mortgages > 5. Manual Underwriting of the Borrower · claudeforcompliance.com
- FHA Credit Requirements (TOTAL Mortgage Scorecard) · claudeforcompliance.com
- FHA Single Family Housing Policy Handbook · archives.hud.gov