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An FHA loan is a mortgage issued by an FHA-approved lender and insured by the Federal Housing Administration (FHA). This loan tends to be more popular for first time home buyers because of the low down payment, and less-than-perfect credit requirements.

  • 580 minimum FICO

  • 3.5% minimum down payment

  • Higher debt-to-income ratios allowed

  • Mortgage insurance required

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