We have recently found out that Taylor Bean and Whitaker is still accepting FHA loans below a 580 credit score with a manual underwrite.
There underwriting times are very slow for this reason because they are getting a lot of loans they cannot approve. If you have an FHA loan below a 580 credit score and have plenty of time to wait, TBW (Taylor Bean) is your best bet. I would warn you that if you are going to submit a loan below a 580 credit score you need to make sure it is processed properly! Make sure you understand FHA guidelines and are meeting them, and underwriter will be looking for a reason to decline your loan when the score is this low. This makes it even more important to present the loan properly when the credit score is below 580 and the loan is FHA.