{"id":9514,"date":"2026-05-04T12:00:00","date_gmt":"2026-05-04T19:00:00","guid":{"rendered":"https:\/\/lisamillerpllc.com\/?p=9514"},"modified":"2026-05-04T12:00:00","modified_gmt":"2026-05-04T19:00:00","slug":"fha-loans-open-doors-for-buyers","status":"publish","type":"post","link":"https:\/\/lisamillerpllc.com\/staging\/fha-loans-open-doors-for-buyers\/","title":{"rendered":"FHA Loans Open Doors for Buyers"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\"\n                src=\"https:\/\/www.roomvu.com\/agent\/embed\/lisa-miller-2\/compare-fha-rates\"\n                frameborder=\"0\"\n                allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\"\n                allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>FHA mortgages were positioned for first-time buyers and borrowers facing credit challenges, with tools that compared local lender rates using basic loan details only.<br \/>\nThese loans were insured by a federal agency, helping lenders accept broader credit profiles while offering smaller down payments, lower closing costs, and relaxed standards.<br \/>\nQualified borrowers could get an FHA mortgage with as little as 3.5% down, making the option especially relevant for limited savings or weaker credit histories.<br \/>\nFHA loans also carried upfront and ongoing mortgage insurance costs, which raised monthly payments and protected lenders if borrowers defaulted on the mortgage.<br \/>\nBorrowers putting down &lt;10% had to pay mortgage insurance for the loan&#039;s full life, a key tradeoff alongside FHA&#039;s easier qualification standards.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>FHA mortgages were positioned for first-time buyers and borrowers facing credit challenges, with tools that compared local lender rates using basic loan details only. These loans were insured by a federal agency, helping lenders accept broader credit profiles while offering smaller down payments, lower closing costs, and relaxed standards. Qualified borrowers could get an FHA [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":9515,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","content-type":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"jetpack_post_was_ever_published":false},"categories":[3],"tags":[],"class_list":["post-9514","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"jetpack_publicize_connections":[],"jetpack_shortlink":"https:\/\/wp.me\/paOTA9-2ts","jetpack-related-posts":[{"id":9408,"url":"https:\/\/lisamillerpllc.com\/staging\/what-to-know-about-mortgage-refinancing-and-common-refinancing-costs\/","url_meta":{"origin":9514,"position":0},"title":"What to Know About Mortgage Refinancing and Common Refinancing Costs","author":"admin","date":"April 5, 2026","format":false,"excerpt":"Refinancing replaces your current mortgage with a new loan, which may change your interest rate and monthly payment. Key factors include understanding your current loan terms, home equity, closing costs, and potential tax implications. Options can include fixed-rate and adjustable-rate mortgages, and some borrowers may be eligible for certain government-backed\u2026","rel":"","context":"In &quot;News&quot;","block_context":{"text":"News","link":"https:\/\/lisamillerpllc.com\/staging\/category\/news\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/04\/1-13.jpg?fit=1080%2C1080&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/04\/1-13.jpg?fit=1080%2C1080&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/04\/1-13.jpg?fit=1080%2C1080&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/04\/1-13.jpg?fit=1080%2C1080&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/04\/1-13.jpg?fit=1080%2C1080&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":9178,"url":"https:\/\/lisamillerpllc.com\/staging\/how-to-prepare-to-buy-your-first-home\/","url_meta":{"origin":9514,"position":1},"title":"How to Prepare to Buy Your First Home","author":"admin","date":"January 30, 2026","format":false,"excerpt":"Buying a home requires careful financial planning and prioritizing amenities. Start by determining an affordable monthly payment, keeping total housing costs under one-third of gross income. Check your credit score, as higher scores offer better mortgage rates. List your home priorities, balancing needs and budget. Research and compare mortgage options,\u2026","rel":"","context":"In &quot;News&quot;","block_context":{"text":"News","link":"https:\/\/lisamillerpllc.com\/staging\/category\/news\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":9807,"url":"https:\/\/lisamillerpllc.com\/staging\/arizona-first-time-homebuyer-programs\/","url_meta":{"origin":9514,"position":2},"title":"Arizona First-Time Homebuyer Programs","author":"admin","date":"July 25, 2026","format":false,"excerpt":"Arizona offers various first-time homebuyer programs providing down payment and closing cost assistance, including statewide options like Home Plus and Arizona Is Home, which target rural areas. Local programs in Flagstaff, Maricopa County, Phoenix, and Pima County offer additional aid with specific income, credit, and residency requirements. Federal loans such\u2026","rel":"","context":"In &quot;News&quot;","block_context":{"text":"News","link":"https:\/\/lisamillerpllc.com\/staging\/category\/news\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/07\/1-9.jpg?fit=1080%2C1080&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/07\/1-9.jpg?fit=1080%2C1080&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/07\/1-9.jpg?fit=1080%2C1080&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/07\/1-9.jpg?fit=1080%2C1080&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/07\/1-9.jpg?fit=1080%2C1080&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":9193,"url":"https:\/\/lisamillerpllc.com\/staging\/the-4-cs-of-qualifying-for-a-mortgage\/","url_meta":{"origin":9514,"position":3},"title":"The 4 C&#8217;s of Qualifying for a Mortgage","author":"admin","date":"February 3, 2026","format":false,"excerpt":"Qualifying for a mortgage can be daunting for first-time homebuyers or those re-entering the market. Lenders assess four core components\u2014capacity, capital, collateral, and credit. They evaluate income, employment history, savings, and monthly debts to ensure borrowers can manage mortgage payments. Lenders also verify the source of large deposits and assess\u2026","rel":"","context":"In &quot;News&quot;","block_context":{"text":"News","link":"https:\/\/lisamillerpllc.com\/staging\/category\/news\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":9010,"url":"https:\/\/lisamillerpllc.com\/staging\/how-to-get-a-mortgage-if-youre-newly-self-employed\/","url_meta":{"origin":9514,"position":4},"title":"How To Get A Mortgage If You&#8217;re Newly Self-Employed","author":"admin","date":"December 16, 2025","format":false,"excerpt":"Getting a mortgage with only one year of tax returns is possible for self-employed individuals, but it depends on specific circumstances. Lenders typically prefer two years of income history to assess stability. If a borrower has prior experience in the same field, they may qualify with just one year. Alternatives\u2026","rel":"","context":"In &quot;News&quot;","block_context":{"text":"News","link":"https:\/\/lisamillerpllc.com\/staging\/category\/news\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":9534,"url":"https:\/\/lisamillerpllc.com\/staging\/senate-passes-housing-bill-amid-industry-scrutiny\/","url_meta":{"origin":9514,"position":5},"title":"Senate Passes Housing Bill Amid Industry Scrutiny","author":"admin","date":"May 11, 2026","format":false,"excerpt":"303-page bill would add grants, pilot funding, and streamline inspections and HUD\u2013USDA reviews to speed rural projects. It also tightens definitions for denser housing and targets bulk single-family buys by large investors. A section titled \u201cHomes Are For People, Not Corporations\u201d would bar large institutional investors from certain single-family purchases.\u2026","rel":"","context":"In &quot;News&quot;","block_context":{"text":"News","link":"https:\/\/lisamillerpllc.com\/staging\/category\/news\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/05\/senate-bill-industry_share.jpg?fit=496%2C279&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]}],"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/05\/compare-fha-rates_share.jpg?fit=496%2C279&ssl=1","_links":{"self":[{"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/posts\/9514","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/comments?post=9514"}],"version-history":[{"count":1,"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/posts\/9514\/revisions"}],"predecessor-version":[{"id":9516,"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/posts\/9514\/revisions\/9516"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/media\/9515"}],"wp:attachment":[{"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/media?parent=9514"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/categories?post=9514"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/tags?post=9514"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}