How hard is it to get approved for a FHA home loan?

With the housing market the way it is right now. Is this possible, because it is as you seem to have perfect credit. This would be for a first time buyer who is looking at a house that is about 350k. Is it even possible? Credit history is excellent, but the score is low. This is due to the. Only with a credit card and have never been late, and the card is now worth Thanks in advance!