Mildly Infuriating
Home to all things "Mildly Infuriating" Not infuriating, not enraging. Mildly Infuriating. All posts should reflect that.
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FHA loans need 3.5% last I checked. So her $12k wasn’t far off for a $500k dollar place. Yes they also require PMI for a bit, but better putting money into something that causes gains for yourself than for a landlord. As this article so clearly proves.
It's not far off but in the current market someone will just offer more than you and you won't get it anyway.
Or they offer all cash.
People will often ignore FHA offers or take lesser conventional offers. FHA loans fall through more often and have additional requirements on the property. I've worked in mortgage for years. Took an offer for 5k less when I sold my first home to take a conventional loan offer....
Anyone who's dealt with real estate knows how much more likely the conventional offer is to close. In a seller sided market no one wants to take government loans.