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No Credit Scores are allowed per FHA Guidelines. ***Refer to the Refinance section within the FHA 4000.1 Handbook for maximum loan amount calculation and For credit scores below 620 FICO and when debt-to-income ratios exceed 43%, an FHA loan must be manually underwritten. The new mortgagee letter supersedes anThe FHA`s manual underwriting guidelines apply to borrowers who cannot obtain approval/eligibility through AUS. Borrowers who are recommended/eligible All requirements under the “No Discretionary Debt” topic detailed on the table on page 2 must be met. • Must meet manual underwriting cash reserve The minimum credit score for all FHA Manually underwritten loans is 620. Maximum Qualifying R atio Matrix. Lowest. Minimum. Decision. Credit Score. Maximum. FHA's Office of Single Family Housing Training Module. Introduction. The Manual Underwriting of the Borrower section of the.