Wrong Mortgage = $50,000 Mistake: FHA vs VA vs Conventional (Which Saves YOU Money)

Описание: FHA, VA, Conventional—one of these loans could save you thousands… the others could cost you for decades.

Hi, I’m Ella Gurfinkel, a senior loan officer with nearly 30 years of experience. I’ve closed over 2,000 loans, and I’ve seen too many first-time buyers get pushed into the wrong program—just because a bank employee didn’t know better (or didn’t care).

In this video, I break down the truth about:

How each loan type REALLY works in 2025–2026
Who should (and shouldn't) choose FHA
Why most veterans are not using their best benefit (and overpaying!)
When conventional beats FHA—and when it doesn’t
Hidden mortgage insurance traps most buyers miss
NEW credit score rules that change everything

I also share real-life examples of buyers who saved big—and some who didn’t. Watch until the end to find out the pro strategy I used to help one couple buy with $0 down and refinance into major savings within 3 years.

📩 Want to know which loan is best for YOU? Book a no-pressure consult using the link - https://calendly.com/teamella/a-conve...
I’ll run the numbers, break it down by loan type, and help you make the smartest financial choice.

00:00 – FHA, VA, or Conventional? Why This Choice Matters
01:00 – FHA Breakdown: Requirements, MIP, Hidden Costs
05:00 – Why FHA ≠ First-Time Buyer Loan (Huge Myth)
07:00 – Conventional Loans Explained: Credit Score, PMI, Flexibility
11:00 – The New 2026 Loan Limits & What They Mean
13:00 – VA Loans: Zero Down, No PMI, Real-Life Approval Logic
17:00 – Residual Income vs Gross Income: The VA Advantage
20:00 – Who Should Pick What? FHA vs VA vs Conventional
22:00 – Real Case: $0 Down to Full Refi in 2 Years
24:00 – Final Advice: Stop Guessing. Start Saving.

I'm Ella Gurfinkel, a Senior Loan Officer at Fairway IMC, and since Valentine’s Day 1996, I've been helping clients to achieve the cornerstone of the American dream - Homeownership. I take the time to find solutions for the most complex situations, even if it consists of 1,000 pieces.

Stay up-to-date on the latest news! Like, share, and subscribe to my videos.
I am here if your home loan questions need answering.

Website: https://www.fairwayindependentmc.com/...
Facebook:   / teamellaportland  
Instagram:   / teamella_fairway  
LinkedIn:   / ella-gurfinkel  

This Channel has been created to make your home purchase (or refinance) easier and simpler. To help you avoid making mistakes in this sometimes crazy process and to simply answer the questions you may be too afraid to ask!

Ella Gurfinkel | Senior Loan Officer | NMLS 188161
503-358-7769 | [email protected] | www.teamellaportland.com
FIMC NMLS 2289 | 6650 SW Redwood Ln Suite 215, Portland, OR 97224

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