FHA may not be the best loan for every buyer

Описание: 🏡💡 FHA may not be the best loan for every buyer.

I see this happen often: buyers are placed into FHA loans when they don’t actually need them—and the long-term cost doesn’t become clear until it’s time to refinance.

Let me be clear: FHA is not a bad loan. It’s a great option for buyers who truly need it, especially if you have:
✔️ Lower credit scores
✔️ Higher debt-to-income ratios
✔️ Limited cash to close
✔️ Certain employment or credit challenges

But if you have:
✔️ 720+ credit
✔️ Stable income
✔️ Acceptable DTI
✔️ A plan to refinance later

👉 FHA can actually become the more expensive option over time, even if the initial payment looks appealing—especially in a market where refinancing strategy matters.

📲 Want to know what loan makes the most sense for your situation? Call or message me and I’ll help you run the numbers so you can make a confident, informed decision.

Tami Cicerello
📞 661-212-3413

#HomeLoanTips #FHALoan #MortgageAdvice #HomeBuyingTips #FirstTimeBuyer #SantaClaritaRealEstate #SCVRealEstate #SoCalRealEstate #RealEstateEducation #SmartHomeBuying #LoanOptions #RefinanceStrategy #MortgageMatters #TamiCicerello #TheCicerelloTeam #livinginSantaClarita #movingtoSantaClarita #SantaClaritarealestate #shorts

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Tami Cicerello
Call/Text Direct: 661.212.3413
Email: [email protected]
License #: DRE #01020264

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