Getting approved for an FHA loan is generally considered easier than qualifying for a conventional mortgage, thanks to more lenient credit score requirements and lower down payment options. The FHA allows credit scores as low as 500-579 with a 10% down payment or 580 and above with a 3.5% down payment, which can accommodate individuals with less-than-perfect credit histories or limited savings. However, approval still depends on various factors, including your credit score, income, debt-to-income ratio, and employment stability. While the eligibility criteria are more forgiving, it’s important to provide accurate and complete documentation during the application process and meet FHA property standards to ensure a smooth approval process. Consulting with an experienced lender can help you navigate the requirements and enhance your chances of FHA loan approval.