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FHA’s back to work lending program has raised the hopes of affected families. The program, launched on August 15th of 2013, is aimed at helping creditworthy Americans who are now re-employed and wish to re-build their home.

After an economic event like foreclosure, short sale or bankruptcy, your credit score will take a hard hit. While looking for a new mortgage, your score may cause lending agencies to turn you down.

Those facing bankruptcy had to wait two or more years. Through the Federal Housing Administration’s “Back to Work” program, eligible families may now apply for online home mortgage loans only 12 months after losing a home.

A Back to Work home mortgage loan program requires satisfactory credit, which takes a significant hit after an economic event. Credit scores below 500 are not allowed in the program, but borrowers with no credit score remain eligible.