Most people have no idea they’re picking the wrong loan and losing thousands. FHA and Conventional loans aren’t what you think and today, I’m breaking down real-world numbers to prove it. Whether you’re putting 3%, 5%, or 10% down, the differences in payments and terms could change everything you thought you knew about buying a home. If you think you know which loan is better, you’re about to find out why you might be wrong.
➡️Buy NOW with FHA or WAIT? – https://youtu.be/OrfYookGd78
➡️ FHA Loan Requirements – Mortgage Insurance and Debt To Income – FHA Loan 2025 – https://youtu.be/HEy3L1hvpDo
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✅ – Ready to find the right loan and real estate agent? Start your stress-free journey today: http://www.jebsmith.net/start?video=qeX0SPE7vPs
🏠 – First Time Home Buyer Course – http://www.becominghomewise.com
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Connect with me 👇
Jeb Smith (huntington beach Realtor/orange county real estate)
DRE 01407449
Real Broker
#housingmarket #firsttimehomebuyer #realestate
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28 Comments
@JebSmith · November 14, 2026 at 10:29 pm
✅Ready to find the right loan? Start your stress-free journey today: jebsmith.net/start
➡Buy NOW with FHA or WAIT? – https://youtu.be/OrfYookGd78
➡FHA Loan Requirements – Mortgage Insurance and Debt To Income – FHA Loan 2025 – https://youtu.be/HEy3L1hvpDo
@CasonPrince-t8n · November 14, 2026 at 10:29 pm
Never heard of a conventional loan down payment being that low
@virginiamchone2204 · November 14, 2026 at 10:29 pm
Can you do conventional loan example for Excellent credit with 50% down a 250k loan?
@MoneyStoriesUS · November 14, 2026 at 10:29 pm
I didn’t realize this topic was this interesting
@edwardtree3211 · November 14, 2026 at 10:29 pm
I have a 797 credit score but I am low income 1410 a month also is there a age or conditions for a home I am in Madison fla what do think would be the best direction
@onlyJaiDe · November 14, 2026 at 10:29 pm
Hello jeb first time home buyer here my lender approved me for FHA and now suddenly he wants to change to conventional do you think it is a smart idea to switch from FHA to CONVENTIONAL pleaseee help since I searched a lot and almost everyone choose FHA LOAN
@MrJamkev · November 14, 2026 at 10:29 pm
I make 150k, wasn’t that way all alone but over the past two years. Would I qualify for a FHA?
I am a first time hole owner, 30k in student loan and 6k in credit card that I plan to pay off before the end of the year.
748 credit score
@ephraimwarrior6766 · November 14, 2026 at 10:29 pm
I just need to get some money save up and show long history in a savings accnt my credit is at like 760
@bethanyreedgaspar · November 14, 2026 at 10:29 pm
I was told I had to have the same type of job field for 2 years for fha😭
@Cassini-jr7oo · November 14, 2026 at 10:29 pm
I never get this, how is that the banks loose if you default with the loan. They are repossessing the home and getting it back almost the same way you got it sold in the first place. I think this PMI is just a ripoff.
@potatohead8692 · November 14, 2026 at 10:29 pm
i was hoping your breakdown at the end would be based on a 400k because a 500K home i feel like your only talking to like 20-30% of home buyers unless people are out here really that house poor and buying up those 500k+ homes that used to be the 285-375K homes prior to 2018. look like the market still needs to settle before i buy. The American Home Dream is dead AF sadly and out out of reach for like 70% of the country. Your average person isn't going to have your 30-40K Cash to close even with concessions at 4%. I know you said it at 8 mins in but at the very end of the video you should recap the PMI falls off one and stays on the other. – so in the long run Conventional would go even cheaper after year 11 or 20%. great video!
@Soonimcneill · November 14, 2026 at 10:29 pm
What about switching from conventional to fha during a refi
@averagegram · November 14, 2026 at 10:29 pm
Nice! Said you were gonna put a link in the description for loan limits by county/parish and didn’t
@citlalynicoledavalos · November 14, 2026 at 10:29 pm
Thanks so much for this info!! Question, is there a down payment requirement with either type of loan if the property is an investment to be rented & not lived in?
@Dellahpu · November 14, 2026 at 10:29 pm
We bought our home three yrs ago with FHA with 20% down, we had PMI put on the loan also at 6.5 interest rate. We was considering refi to a conventional so we can drop the PMI. Not sure what we should do?
@jbro800 · November 14, 2026 at 10:29 pm
Basically don't buy a house unless you have 20% down, 20% more in the bank on reserve, and a credit score of at least 740 or else you will be discussing divorce at some point in the next 10 years. This is not a joke.
@NN-cw9qn · November 14, 2026 at 10:29 pm
I have 6.7 credit
@emmamiamia · November 14, 2026 at 10:29 pm
What are the best strategies to protect my portfolio? I've heard that a downturn will devastate the financial market, so I'm concerned about my $200k stock portfolio.
@SoljaOfGod · November 14, 2026 at 10:29 pm
so my credit is 626. i need 17k cash for a 500000$home?for fha loan. Thats crazy!!not everyone has that cash laying around
@BridgetAndrade-u9b · November 14, 2026 at 10:29 pm
How can I get a consultation with you? I’m willing to pay you if you could take a look at my home loan paperwork before I close
@brandonmiller3020 · November 14, 2026 at 10:29 pm
For an FHA loan you need 3.5% down but of that 1.75% is mortgage insurance? I would have assumed you would need your 3.5% down and then another 1.75% to cover your up front mortgage insurance.
@artesuave4760 · November 14, 2026 at 10:29 pm
I like your thumbnail … how’s it clickbait?
@virgnthermostat5928 · November 14, 2026 at 10:29 pm
For the FHA loan, down payment is actually 2.25% for Native Americans. At least under section 184.
@justinmirche · November 14, 2026 at 10:29 pm
Great info! Choosing the right loan can save thousands over time, but too many buyers don’t realize it. Thanks for breaking it down in such a clear and practical way!
@SoloLVLing_VIP4BL · November 14, 2026 at 10:29 pm
There’s no way that home price in CA – you will be finding anywhere. Could you please do a $800K home price for both FHA and CONV? I’m saving for the 20% downpayment.
@-phenom- · November 14, 2026 at 10:29 pm
Quit with the stupid looks on your thumbnail. You're not a teenage gamer, so why act like one? It doesn't make me want to watch your video. It makes me unsub.
@Desoto12 · November 14, 2026 at 10:29 pm
So which is better? Conventional or FHA?
@BrianFairchild-ft7gc · November 14, 2026 at 10:29 pm
What about Anne- Mac- mortgage