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Government Home Loan Programs For Bad Credit If not, there are still government loans available, including FHA, VA, Speaking of the USDA, their loan program also features no minimum credit score. They're not so much loans for bad credit as they are loans for home.Guaranteed Home Loan Approval With Bad Credit Todays Fha Rate The average rate on a 30-year fixed-rate mortgage dropped one basis point, the rate for the 15-year fixed fell one basis point and the rate for the 5/1 ARM was unchanged, according to a NerdWallet survey of daily mortgage rates published Friday by national lenders. A basis point is one one-hundredth of one percent.