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Conventional or FHA? If you’ve talked to a lender in the last six months, somebody has asked you this question — and most first-time buyers have no idea how to answer it. In this episode, you’ll get the real comparison: down payment minimums, credit thresholds, the critical difference between PMI and MIP, and why FHA mortgage insurance often follows you for the life of the loan while conventional PMI drops off automatically at 20% equity.
Plus the 2026 conforming loan limits ($806,500 standard, up to $1.2M in high-cost counties like parts of San Diego). If you want to see both scenarios side-by-side on your specific numbers, head to thepropertyprofessor.blog to book a call.
Runtime: 6:28 · Sources: The Mortgage Reports (FHA vs Conventional 2026), AmeriSave, Rocket Mortgage, Freedom Mortgage. Educational content from a licensed mortgage loan originator; not financial advice for your specific situation. Speak with your lender about your numbers.
Want a quick starting point before we talk? Run your own numbers in my What Can I Afford calculator to see the price range your income, debts, and down payment support.
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