The appendages of the integumentary system are comprised of hair, nails, hooves, scales and feathers. However, the appendages, found in humans, include nails and hair, while hooves, scales and feathers are present in the nonhuman animals.
Scores below 600, on the other hand, indicate high risk to lenders. Lenders evaluate your three credit scores when deciding if you are a safe investment. Although each lender has its own standards, a credit score of 620 is considered a minimum to apply for a refinance. Obviously, the higher your credit score the better.
However, to take advantage of the 3.5% down payment option, borrowers need a score of 580 or higher. But both of those numbers can be a moot point when mortgage lenders set the bar higher, as they often do. In other words, the official FHA minimum credit score is sometimes too low for lenders.