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You can get pre-approved for a FHA home loan with a 500 credit score, and 10% down. If you have a 580 credit score you can get approved for an FHA loan with a 3.5% down payment. This is why FHA-insured home loans are the most popular mortgage among first-time homebuyers , and buyers with bad credit.Fannie Mae Mortgage Reviews Amazon.com: Customer reviews: The Fateful History of Fannie. – Find helpful customer reviews and review ratings for The Fateful History of Fannie Mae:: New Deal Birth to Mortgage Crisis Fall at Amazon.com. Read honest and unbiased product reviews from our users.