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An FHA mortgage loan is a federal program to help low to moderate. The pros and cons of using an FHA loan to buy your first house.. You can get approved for an FHA loan as long as you have:. (PMI) that lenders require on traditional mortgages when borrowers. Is a FHA Mortgage Right for You?
· First time buyers are often solicited with FHA loans and other types of low-money-down programs that are contingent upon 30-year financing. The interest rates that are offered, regardless of how low they might be, are often irrelevant.