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Fla. App. Court (4th dca) holds hoa foreclosure filed After Recording of Mortgagee’s Lis Pendens Not Barred | Lexology Fla. App. Court (4th DCA) Holds HOA Foreclosure Filed After Recording of Mortgagee’s Lis Pendens Not Barred | Lexology. The FHA will back a loan for borrowers with a 500 credit score and a 90%. Although FHA lenders do not have to go by the FHA’s guidelines, and most have.