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For most mortgage borrowers, there are three major loan types: conventional, FHA and VA. Here is how they compare. Who they’re for: Conventional mortgages are ideal for borrowers with good or.
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The FHA requires a minimum FICO credit score of 500 with a 10% down payment to qualify for an FHA loan, but many lenders have their own higher credit standards. 580 is the FHA-mandated minimum credit score needed to qualify for a 3.5% down payment.
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