RealTalkCredit · FHA vs Conventional Snapshot

Conventional Is the Way to Go.

But FHA Might Be Your Way In.

Most buyers find out which loan they qualify for when they sit across from a lender. That's too late. This shows you which lane fits your file before you ever walk in.

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Why this matters

You heard "just do FHA."
Nobody explained what that actually means.

You don't know which lane fits your file

FHA and Conventional aren't better or worse they're built for different profiles. Your score is just one piece. DTI, reserves, employment history, and documentation all determine which lane you're actually in.

You don't know what FHA actually costs

FHA gets you in the door. But MIP stays for the life of the loan in most cases. On a $300K loan that can add $30,000–$50,000 over time. That number never shows up in your pre-approval letter.

You don't know the number that actually controls approval

Most denials aren't about the score. They're about affordability. Your DTI determines how much house you can qualify for and whether you cross the finish line at all. A 680 score with too much debt gets denied. A 620 score with a clean DTI can close.

What's Inside

See which lane you're actually in before you waste time applying.

★ Which lane you're actually in not a guess based on your score. Based on the full file.

★ Why FHA costs more than your lender told you what MIP actually is and how long you're paying it.

★ The DTI calculation that controls how much house you can qualify for and whether your file crosses the finish line.

20+

Years Lending

10K+

Reports Reviewed

Zero

BS Gimmicks

Why Trust This

This Comes From The Lender's Desk

For 20 years I sat at the desk that made the decisions not just mortgage, every layer of the file. Consumer loans, home equity, subprime auto, collections. I trained underwriters. I reviewed thousands of files and I know exactly what gets people approved, what gets them denied, and what nobody explains before you sign.