On your point about our credit score page, we are working on a better way to present this. There are circumstances when a lender is will to offer the same or similar terms across credit bands because it is insured by the FHA.
FHA mortgages start at 3.5% down payments. Our decision engine only shows actionable opportunities (so we've made sure your income is in the right range and that the loan is within the limits defined by the FHA for your zipcodes). So providing your data inputs are accurate, we can help you get that mortgage (and help you find a charity to donate your $10k to). info @ smartasset period com.