Due to current market conditions most lenders are requiring a 620 middle credit score or higher for all borrowers for a FHA loan. FHA loans require a minimum down payment of 3.5% unless you qualify for USDA which can give you 100% financing. USDA still requires a 620 middle credit score.
When is the last time you had your credit pulled? I can always pull your credit and see where your middle scores are appearing at and see what we can do to improve your scores and get you pre-approved for a mortgage loan.