FHA Loan and past collections on my credit ?

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      My husband and I are ready to purchase our first home. We have done research and found that for us, a FHA loan is the way to go. Our FICA scores are somewhere between 610-650. I have past collection accounts on my credit (nothing negative as of 2005) and wanted to know if these past collection accounts will seriously hurt the chances of us being approved for a FHA loan? Neither of us have ever filed for any type of bankruptcy or anything of that nature. My husband and I have pretty decent income, and have good standing accounts on our credit report. Thank You

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