no credit score home loans

Is this a good credit rating for a home loan?

I just checked my score and 550. And I have no outstanding debt and I made the last loan was paid 4 years ago. Do I qualify for a mortgage? The loan would be over $ 85,000. Do I qualify for a loan FHA? And with a score of 550, which would be the average? I was thinking maybe 6%, which is not good or is faster or slower? Also, I can should think of a credit card? I was afraid for fear of being beholden to anyone. Should I consider taking one and exactly how everything works with a card credit? Is there a minimum credit rating or no demand? Basically, what is involved at all and get paid every month about this?

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