FHA Loans vs Conventional Loans

Trying to decide between FHA and Conventional? The answer isn’t “which one is better?” — it’s “which one is better for YOU.”

FHA loans are more flexible with credit and require as little as 3.5% down. Conventional loans often reward stronger credit profiles and can offer lower long-term costs with options as low as 3% down for qualified buyers.

Different credit scores.

Different down payments.

Different mortgage insurance rules.

Before you assume you need 20% down or that one loan is automatically the best option, make sure you understand the differences.

I broke it all down in my FHA vs. Conventional Loan Guide so you can make a confident decision before you apply.