{"id":19,"date":"2026-09-03T09:00:00","date_gmt":"2026-09-03T09:00:00","guid":{"rendered":"https:\/\/demos.canvaswp.com\/mortgage\/loan-program\/fha-loans\/"},"modified":"2026-09-03T09:00:00","modified_gmt":"2026-09-03T09:00:00","slug":"fha-loans","status":"publish","type":"canvas_mtg_loan","link":"https:\/\/demos.canvaswp.com\/mortgage\/loan-program\/fha-loans\/","title":{"rendered":"FHA Loans"},"content":{"rendered":"<h2 style=\"color: var(--cnvs-contrast-900); font-size: 1.4rem\" class=\"fw-bold mb-3 wp-block-canvas-core-heading\">How an FHA Loan Works<\/h2>\n<p style=\"color: var(--cnvs-contrast-600); font-size: 1rem; line-height: 1.7\" class=\"mb-4 wp-block-canvas-core-heading\">FHA loans are insured by the Federal Housing Administration, which lets lenders accept a smaller down payment and a lower credit score than most conventional programs allow. The trade-off is mortgage insurance, paid up front and monthly.<\/p>\n<p style=\"color: var(--cnvs-contrast-600); font-size: 1rem; line-height: 1.7\" class=\"mb-4 wp-block-canvas-core-heading\">Gift funds from family can cover the down payment, and sellers can contribute toward your closing costs. We check both before you make an offer, so the numbers are settled early.<\/p>\n<h2 style=\"color: var(--cnvs-contrast-900); font-size: 1.4rem\" class=\"fw-bold mb-3 wp-block-canvas-core-heading\">What to Expect<\/h2>\n<ul class=\"process-step-list mb-0 wp-block-canvas-core-wrapper\">\n<li class=\"wp-block-canvas-core-heading\">An upfront mortgage insurance premium added to the loan<\/li>\n<li class=\"wp-block-canvas-core-heading\">A monthly premium for most of the life of the loan<\/li>\n<li class=\"wp-block-canvas-core-heading\">An FHA appraisal that also checks the home is safe and sound<\/li>\n<li class=\"wp-block-canvas-core-heading\">Loan limits set by county, which we confirm for your area<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Government-backed loans with as little as 3.5% down, ideal for first-time buyers.<\/p>\n","protected":false},"menu_order":3,"template":"","meta":{"_canvas_mtg_loan_best":"First-time buyers and buyers rebuilding credit","_canvas_mtg_loan_credit":"580 or higher, or 500 to 579 with 10% down","_canvas_mtg_loan_down":"3.5% with a credit score of 580 or higher","_canvas_mtg_loan_icon":"bi-shield-check","_canvas_mtg_loan_terms":"15 or 30 years, fixed rate"},"class_list":["post-19","canvas_mtg_loan","type-canvas_mtg_loan","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/demos.canvaswp.com\/mortgage\/wp-json\/wp\/v2\/canvas_mtg_loan\/19","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/demos.canvaswp.com\/mortgage\/wp-json\/wp\/v2\/canvas_mtg_loan"}],"about":[{"href":"https:\/\/demos.canvaswp.com\/mortgage\/wp-json\/wp\/v2\/types\/canvas_mtg_loan"}],"wp:attachment":[{"href":"https:\/\/demos.canvaswp.com\/mortgage\/wp-json\/wp\/v2\/media?parent=19"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}