{"id":146,"date":"2026-10-22T12:00:00","date_gmt":"2026-10-22T12:00:00","guid":{"rendered":"https:\/\/www.emilydenneyliveinwyomingrealty.com\/blog\/?p=146"},"modified":"2026-10-22T12:00:00","modified_gmt":"2026-10-22T12:00:00","slug":"fha-loans-can-help-buyers-buy-sooner","status":"publish","type":"post","link":"https:\/\/www.emilydenneyliveinwyomingrealty.com\/blog\/2026\/10\/22\/fha-loans-can-help-buyers-buy-sooner\/","title":{"rendered":"FHA Loans Can Help Buyers Buy Sooner"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\" src=\"https:\/\/www.roomvu.com\/agent\/embed\/emily-denney-1\/fha-loan-home-remotion-videos-d2b0\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>These loans can open homeownership sooner with 3.5% down for stronger credit, flexible standards, possible gift funds, and often lower rates than conventional mortgages.<br \/>\nEligibility still matters: scores can start at 500, 580+ qualifies for 3.5% down, lenders prefer 43% DTI, stable 2-yr income, and owner occupancy.<br \/>\nPlan for costs beyond the down payment: closing costs often run 2%-6%, plus a 1.75% upfront insurance premium and yearly insurance afterward.<br \/>\nTradeoffs include primary-residence rules, appraisal and property standards, lower loan limits, and tougher competition against cash offers, but buyers may build equity sooner.<br \/>\nCompared with conventional options, these loans can suit limited savings or imperfect credit; shop multiple approved lenders, compare fees, and review refinance flexibility.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>These loans can open homeownership sooner with 3.5% down for stronger credit, flexible standards, possible gift funds, and often lower rates than conventional mortgages. Eligibility still matters: scores can start at 500, 580+ qualifies for 3.5% down, lenders prefer 43% DTI, stable 2-yr income, and owner occupancy. Plan for costs beyond the down payment: closing [&hellip;]<\/p>\n","protected":false},"author":520,"featured_media":147,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-146","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.emilydenneyliveinwyomingrealty.com\/blog\/wp-json\/wp\/v2\/posts\/146","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.emilydenneyliveinwyomingrealty.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.emilydenneyliveinwyomingrealty.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.emilydenneyliveinwyomingrealty.com\/blog\/wp-json\/wp\/v2\/users\/520"}],"replies":[{"embeddable":true,"href":"https:\/\/www.emilydenneyliveinwyomingrealty.com\/blog\/wp-json\/wp\/v2\/comments?post=146"}],"version-history":[{"count":1,"href":"https:\/\/www.emilydenneyliveinwyomingrealty.com\/blog\/wp-json\/wp\/v2\/posts\/146\/revisions"}],"predecessor-version":[{"id":237,"href":"https:\/\/www.emilydenneyliveinwyomingrealty.com\/blog\/wp-json\/wp\/v2\/posts\/146\/revisions\/237"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.emilydenneyliveinwyomingrealty.com\/blog\/wp-json\/wp\/v2\/media\/147"}],"wp:attachment":[{"href":"https:\/\/www.emilydenneyliveinwyomingrealty.com\/blog\/wp-json\/wp\/v2\/media?parent=146"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.emilydenneyliveinwyomingrealty.com\/blog\/wp-json\/wp\/v2\/categories?post=146"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.emilydenneyliveinwyomingrealty.com\/blog\/wp-json\/wp\/v2\/tags?post=146"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}