Have you already spoken to a FHA lender/LO that is versed in credit analysis and restoration? What is/are the reason(s) for your score being so low? Are your credit maxed out? Do you have numerous collections and late payments? Did you recently come out of bankruptcy? Are you still in it? Depending on the answers and your specific scenario, it could be a simple and quick, or complicated and time consuming process to raise your score. It could also save you thousands in additional fees and make you eligible for a much lower interest rate which will/could save you thousands over the life and term of your loan. Again, contact an experienced FHA Lender/LO that is versed in credit analysis and restoration? I offer such services at Shore and their is no charge. I hope this help.