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FHA vs conventional at a 680–740 score: the five-year cost

With a small down payment and a 680–740 score, compare FHA's HUD premiums on a $400,000 example with a written conventional insurance quote over five years.Sophia Warner · Oct 22, 2026 · 9 min read

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Using your VA benefit again: what your entitlement covers

How a second VA loan works with partial entitlement: a worked county-limit example, when lenders ask for money down, and how to restore entitlement.Sophia Warner · Oct 22, 2026 · 6 min read

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Removing PMI from a conventional loan: a step checklist

A five-step checklist for dropping PMI on a conventional loan: find your CFPB 80% and 78% marks, ask in writing, weigh an appraisal and confirm it stopped.Sophia Warner · Oct 22, 2026 · 10 min read