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Whether you are a first-time buyer, a repeat buyer or a homeowner interested in refinancing, you'll need to choose between conventional financing and an FHA-insured loan.
Decades ago, consumers who wanted to buy a home had to meet with their local banker, prove they had the income and assets required to purchase property and make a substantial down payment before obtaining approval for a home loan. Today's homebuyers may have the option of making a lower down payment, but they face a more complex mortgage-approval process.