I think my credit score is at least 520, can I get a home loan. I have recently paid off all of my ?

my delinquent credit cards, but my credit has not adjusted. I want a house for $47,000. Will I qualify for a FHA with no money down? thanks.
Update: I have zero debt, and I make $38,000 a year. The mortgage payment would be $400 a month. Why wouldn't I get a loan?
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