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FHA loans are widely preferred by first-time-home buyers since they allow lower down payments and are more forgiving of lower credit scores. An FHA loan will require a PMI (private mortgage insurance) which will be a part of your monthly payment. This can be removed from your payment by refinancing once your home's equity has reached 20%.

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If you think an FHA loan may be right for you, let us know and we will be happy to see how we can help you achieve your home buying goals!