How To Get A Fha Home Loan How Do I Apply For An Fha Loan Obtaining An Fha Loan Standard Lending Source Reviews Aldermore – Wikipedia – Aldermore Bank is a retail bank which provides financial services to small and medium-sized businesses. It was founded in 2009 and listed on the London Stock Exchange in March 2015. It was a constituent of the ftse 250 index until it was acquired by south african banking conglomerate First Rand in March 2018. · OBTAINING AN FHA LOAN WITH NO CREDIT? Asked by M., Chandler, AZ Mon Dec 2, 2013. My parents will like to relocate to Arizona from NYC. They would like to apply for an FHA loan, however, neither have established credit. I however have a credit score of 740 but currently unemployed (recent college graduate).FHA mortgage rates are very competitive. And since the FHA doesn’t charge higher rates for lower credit scores, the way Fannie Mae and Freddie Mac do, they can be a particularly good deal for borrowers with flawed credit.