Qualifying for an FHA mortgage?

Does anyone know how hard it is to qualify for an FHA home loan? I’m recently divorced for the second time. My credit was ruined during my first marriage so during my second marriage (which lasted 8 years) we bought everything using her credit. Now I find myself not so much with negative credit reports but with a lack of current active credit. I make just over ,000 a year and I’ve had the same job for 21 years. I will be able to place down a sizable down payment via my 401k. I’ve read that qualifying requirements are more relaxed with FHA loans and that terrible credit will only result in interest rates a couple of points higher and a higher required down payment. Just wondering if anyone knows firsthand. Thanks


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