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When purchasing a home, an FHA loan is often the right choice. This is especially true if any of the following are true:
FHA fixed rate loans are the most popular programs for FHA financing. Unlike an adjustable rate mortgage, your payment will stay the same for the duration of the loan. And remember, since FHA loans require only a 3.5% down payment, and allow the seller to pay up to 6% of the pourchase price towards the closing costs, you can often buy a home with very little of your own money.