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Frequently asked questions

Find simple and straightforward answers.
  • What are my estimated closing costs?

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  • If rates drop, how soon can I refinance?

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  • Is it a good time to purchase a home?

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  • Can I put $0 down?

    It is possible to purchase a home with little or no money down, but it can be more difficult to qualify for a mortgage and the overall costs may be higher.

    Some government-backed loan programs, such as FHA loans, VA loans, and USDA loans, allow for a low or zero down payment. These loans are typically available to first-time home buyers, veterans, and low-income borrowers.

    However, it’s important to keep in mind that these loans may come with additional costs, such as mortgage insurance, which can add to the overall cost of the loan.

  • Is an FHA loan better than a conventional loan?

    FHA loans and conventional loans are both options for purchasing a home, but they have some key differences that may make one a better choice for you than the other. Here are a few key points to consider when comparing the two:

    Down payment: FHA loans typically require a down payment of 3.5% of the purchase price, while conventional loans may require a down payment of as little as 3% for first-time home buyers or 5% for other borrowers.

    Credit score: FHA loans have more lenient credit score requirements than conventional loans. FHA loans typically require a minimum credit score of 580, while conventional loans typically require a minimum credit score of 620.

    Income requirements: FHA loans have more lenient income requirements than conventional loans, which can make them a better option for borrowers with lower incomes.

    Mortgage insurance: Both FHA and conventional loans require mortgage insurance, but the cost and duration of the mortgage insurance can be different. FHA loans require mortgage insurance for the life of the loan, while conventional loans require mortgage insurance only until you’ve built up 20% equity in your home.

    Loan limits: FHA loans have loan limits, which may restrict the amount you can borrow. Conventional loans do not have loan limits, and this may allow you to borrow more.

    Closing costs: FHA loans can have higher closing costs than conventional loans.

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