Am I the only one who thinks an FHA loan isn't always the best move? | First Time Homebuyers

Kelly Hart · 2026-05-05T19:30:03.239648+00:00

Everyone pushes FHA loans for first-timers, but I was skeptical about the extra fees (my lender showed me the MIP adds up to like $12k over 5 years). I went with a conventional 3% down instead, and the monthly payment is way lower than what FHA would've been. Has anyone else skipped the FHA route and regretted it or been glad they did?

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Am I the only one who thinks an FHA loan isn't always the best move? | First Time Homebuyers - The Community Guide