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Difference Between Fha And Conventional Loans Fha Mortgage Requirements Credit Score That means, if you don't repay your loan, the FHA will pay the lender. If you're interested in an FHA loan or want to know what the requirements are, then you're in the. How Can Your Credit Score Affect Your mortgage rate?section 203b Fha Loan Section 203(b) is the centerpiece of FHA’s single family mortgage insurance programs, the successor of the program that helped save homeowners from default in the 1930s, that helped open the suburbs for returning veterans in the 1940s and 1950s, and that helped shape the modern mortgage finance system.