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FHA is best for lower to Mid credit scores so when you get to the 620 range thats the minimum needed for a conventional loan when you start getting up to that point you want to also start looking at conventional as a secondary option now what people make the mistake here of doing is they hold on to their FHA loan for way too long FHA to me is a loan that you use to be able to secure a home if you cant qualify for something like a conventional loan or another loan that might be cheaper for you monthly and long term so what you want to do is use an FHA loan to secure the home and then work on your credit or any other thing that you need to work on to refinance into cheaper mortgage and this is what I call the bridge strategy when you do that