Frequently Asked
Is it better to get an FHA loan or a conventional loan in Austin?
Quick Answer
Conventional loans are generally better for buyers with strong credit and at least 3-5% down, since they avoid the long-term mortgage insurance premium FHA loans carry. FHA loans make sense for buyers with lower credit scores or smaller down payments who wouldn't otherwise qualify for conventional financing. The right choice depends on your specific credit profile and how long you plan to stay in the home.
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