FHA vs Conventional: Which Is Right for You?

These are the two most common loans I write. Both are great tools; the right one depends on you.

FHA

FHA allows 3.5% down and more flexible credit. It has upfront and monthly mortgage insurance, which often stays for the life of the loan unless you refinance.

Conventional

Conventional loans allow as little as 3% down for some buyers. Private mortgage insurance can come off once you reach enough equity, and stronger credit usually means better pricing.

How I help you choose

I run both scenarios with your real numbers: payment today, total cost over time and how soon mortgage insurance could go away. Then you pick.