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🚨 FHA Loan Myths vs. Facts 🚨 Myth: FHA loans are only for buyers with bad credit or low savings. Fact: Many buyers with great credit use FHA! With higher debt-to-income limits and often lower rates, FHA can actually help you qualify for more home. Myth: FHA loans require huge down payments. Fact: FHA requires just 3.5% down—and you can even use that to buy a multi-unit property (as long as it’s owner-occupied). Myth: FHA is much more expensive than conventional. Fact: The difference is minimal
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