Loan options

Q&A and Comparisons

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A pale gray Cape Cod-style cottage with a blue front door, black shutters, window boxes and a small gabled porch on a green spring lawn.

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 WarnerSenior Loan OfficerSep 3, 2026

A red-brick ranch house with an American flag by the front door, a large shade tree and fallen leaves on the lawn in late-afternoon light.

Loan optionsQ&A6 min read

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 WarnerSenior Loan OfficerAug 20, 2026