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Applying for an FHA loan is not easy as you think. There are many things you should be careful about. Of course, the programs have flexible requirements. For instance, only an FHA loan makes buying a house with 580 credit score in Houston a reality. FHA-approved lenders also have their own standards for allowing borrowers with risks. That’s why you may notice a difference between the requirements. Moreover, banks and other financial institutions are not enthusiastic about doing government loans either.