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FHA Fixed-Rate Loan

If you don't have extensive job or credit history, or need a loan that offers favorable conditions for a lower down payment, you may qualify for an FHA loan. It generally comes with lower interest rates than conventional mortgages and in some cases can offer flexibility in obtaining the money you need for closing costs too.


  • Federally insured, which may accommodate a lower down payment and less credit history
  • Fixed/level payment of principal and interest for the life of the loan
  • May require monthly mortgage insurance for a minimum of five years
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