The main difference between a FHA Loan and a Conventional Home Loan is that a FHA loan requires a lower down payment, and the credit qualifying criteria for a borrower is not as strict. This allows those without a credit history, or with minor credit problems to buy a home. FHA requires a reasonable explanation of any derogatory items, but will use common sense credit underwriting. Some borrowers, with extenuating circumstances surrounding bankruptcy discharged 3-years ago, can work around past credit problems. However, conventional financing relies heavily upon credit scoring, a rating given by a credit bureau such as Experian, Trans-Union or Equifax. If your score is below the minimum standard, you may not qualify.
We've been helping customers afford the home of their dreams for many years and we love what we do.
Company NMLS: 227262
1 Vantage Way Ste E240
Nashville, TN 37228
Phone: (615) 915-1347
Not a commitment to lend. Additional terms and conditions may apply. USA Lending dba DAS Acquisition Company, LLC is not affiliated with or endorsed by the HUD, FHA, VA, the government of the United States, or any federal, state or local government agency. Corporate address: 12140 Woodcrest Executive Drive, Suite 150, St. Louis, Missouri 63141. Telephone: (314) 628-2000, Toll Free: (888) 250-6522. For complete license information: http://www.nmlsconsumeraccess.org
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