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YouTube HUD/
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203
Buying a House with an
FHA Loan 101
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FHA Loans
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FHA loan 2%–3.5% forgivable grant. ✔ Up to 96.5% financing ✔ Grant has no monthly payment ✔ No principal payback ✔ No resale restrictions ✔ Can combine with up to 6% seller concessions ✔ Non-occupant co-borrower allowed ✔ Only ONE borrower must meet eligibility Income cap is ≤160% of area median income OR qualify under one of the other eligibility categories. This program reduces the upfront barrier — without stacking multiple DPAs. #FHALoan #DownPaymentAssistance #FirstTimeHomeBuyer Mitchell Du
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FHA vs Conventional with a 672 credit score - which is better? Most people assume “conventional is always cheaper.” But in the high-600s, FHA can beat conventional on payment because conventional rates PMI get more expensive as scores drop. FHA’s catch: an upfront mortgage insurance fee. Conventional’s catch: your rate and PMI are more score-driven. If you’re around a 670 score, run both options before you decide. #realestate #mortgagetips #firsttimehomebuyer
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branthemortgageman
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