Programs

FHA vs. Conventional Loans: Which Is Better?

Side-by-side comparison of FHA and conventional financing for Cincinnati buyers.

FHA strengths

Lower minimum FICO, more flexible debt-to-income, and gift-friendly down payment rules. Mortgage insurance often lasts the life of the loan unless you refinance.

Conventional strengths

PMI drops at 80% LTV, often better long-term cost for borrowers with 700+ FICO. More flexible for second homes and investment properties.

Ready when you are

Talk with John about your next step

Whether you're 6 months or 6 days from buying, a 15-minute conversation gives you a clear plan and the right pre-approval strength.

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