{"id":19,"date":"2026-09-17T15:00:00","date_gmt":"2026-09-17T15:00:00","guid":{"rendered":"http:\/\/blogs.room-vu.com\/jhickmanbroker-com\/2026\/09\/17\/fha-loans-how-they-work\/"},"modified":"2026-09-17T15:00:00","modified_gmt":"2026-09-17T15:00:00","slug":"fha-loans-how-they-work","status":"publish","type":"post","link":"https:\/\/www.jhickmanbroker.com\/blog\/2026\/09\/17\/fha-loans-how-they-work\/","title":{"rendered":"FHA Loans: How They Work"},"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\/john-hickman-1\/fha-loan-explained-remotion-videos-1e9a\" 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>FHA loans are a unique option for buyers with limited savings or less-than-perfect credit, thanks to government backing that insures lenders. If your credit score is at least 580, you could qualify for a down payment as low as 3.5%; those with scores between 500 and 579 generally need about 10% down. These loans are designed for primary residences only, and the borrowing limits change depending on your county and property type. When considering an FHA loan, it\u2019s important to look at the full monthly payment\u2014which typically covers principal, interest, mortgage insurance, taxes, homeowners insurance, and escrow. While the lower upfront cost is appealing, weighing it against the long-term expenses is key. In my experience helping clients since 2006, I\u2019ve seen FHA financing offer a practical path to homeownership for those working to build or repair credit. For buyers with stronger credit or more cash on hand, conventional loans or future refinancing might make more sense. I\u2019m dedicated to finding the loan that fits your needs and helps you achieve your real estate goals, whether you\u2019re buying your first home or planning for long-term wealth.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>FHA loans are a unique option for buyers with limited savings or less-than-perfect credit, thanks to government backing that insures lenders. If your credit score is at least 580, you could qualify for a down payment as low as 3.5%; those with scores between 500 and 579 generally need about 10% down. These loans are [&hellip;]<\/p>\n","protected":false},"author":469,"featured_media":20,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-19","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.jhickmanbroker.com\/blog\/wp-json\/wp\/v2\/posts\/19","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.jhickmanbroker.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.jhickmanbroker.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.jhickmanbroker.com\/blog\/wp-json\/wp\/v2\/users\/469"}],"replies":[{"embeddable":true,"href":"https:\/\/www.jhickmanbroker.com\/blog\/wp-json\/wp\/v2\/comments?post=19"}],"version-history":[{"count":0,"href":"https:\/\/www.jhickmanbroker.com\/blog\/wp-json\/wp\/v2\/posts\/19\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.jhickmanbroker.com\/blog\/wp-json\/wp\/v2\/media\/20"}],"wp:attachment":[{"href":"https:\/\/www.jhickmanbroker.com\/blog\/wp-json\/wp\/v2\/media?parent=19"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.jhickmanbroker.com\/blog\/wp-json\/wp\/v2\/categories?post=19"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.jhickmanbroker.com\/blog\/wp-json\/wp\/v2\/tags?post=19"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}