Borrowers often see multiple FICO versions and want to know which one FHA lenders rely on.
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Which FICO Scoring Model Is Used for an FHA Home Loan?
OVERVIEW
Most FHA lenders use FICO Score 2, 4, and 5, depending on the credit bureau.
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FICO MODEL BREAKDOWN
Experian uses FICO 2, TransUnion uses FICO 4, and Equifax uses FICO 5. What this means for you: your mortgage scores may differ from the scores shown in consumer apps.
NEXT STEPS
If you want a clearer picture of what you qualify for, the next step is simple. Use the quick form below to see your loan options with no credit impact and no obligations. It gives you real numbers, a clearer path forward, and the confidence to move at your own pace.
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WHY THESE QUESTIONS MATTER
Knowing which FICO models lenders use helps you understand why your mortgage scores look different. This clarity prevents confusion during pre‑approval. It also helps you track the right scores as you prepare to apply. Understanding the model differences gives you a more accurate picture of your eligibility.
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