FHA loans have an image problem —
and it is costing Florida buyers
real money every single month.
Here is something most people
don't know:
FHA loans actually carry LOWER
interest rates than conventional.
Right now FHA is around 5.875%
while conventional is in the lower 6's.
So why doesn't everyone choose FHA?
Because FHA mortgage insurance
stays for the life of the loan
in most cases.
Conventional PMI disappears once
you hit 20% equity.
Whether FHA or conventional
saves you more money comes
down almost entirely to
your credit score.
Below 680? FHA often wins
on your monthly payment.
Above 740? Conventional wins
— lower rate AND disappearing MI.
I wrote the full breakdown with
actual payment comparisons at
both credit score levels so you
can see exactly what the math
looks like for a real Florida buyer.
Link below 👇
📅 Want to see which program
wins for YOUR numbers?
Book a free call and I'll run
both scenarios side by side for you.
