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hey kyle here with winthouseylove.com today were talking about 10 fha tips and tricks so fha loans are fantastic loan options that are really flexible especially if you have lower credit score or a lot of debt but theres also a lot of tips that most even loan officers dont know so were going to walk through those today so lets go ahead and dive right into this so the first one is credit score brackets so when you get your interest rates primarily based on your credit score and credit scores and interest rates dont correlate just one to one right its not uh that if you have a 640 you have a better interest rate than a 639 necessarily just because that one point its only because we felt we switched into a new bracket of credit all right so lets walk through some of these important ones so its important to remember that fha has a minimum credit score of 500. all right so if you have a 500 score to a 579 you need 10 down on an fha loan now the moment that we hit 580 is when we ca