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Team","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"de53ac0e757eecf72e8bda3d175113ff","pageNumber":null,"quote":"Our Home loan experts will guide you through every step of the process, from pre-approval to closing.","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"e4fde7a61e7ed0f3fdf591cb70c19ee3","pageNumber":null,"quote":"Frequently asked questions","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"aeaa4b5325b05858e24ff0ca86d4dce8","pageNumber":null,"quote":"Here are answers to common questions about this loan, based on feedback from people like you during our research.","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"e17d5b43411e9f26b083cd8ae1b6368c","pageNumber":null,"quote":"Apply to buy a home","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring 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Online","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"765966ee9bd5a5eca719afab9d9314d5","pageNumber":null,"quote":"apply","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring 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At least one borrower must live in the home as their primary residence. A co-borrower may help you qualify more easily, depending on your financial situation. To qualify for the 3.5% down payment, the co-borrower must be a family member, such as a parent, spouse, child, sibling, grandparent, aunt, uncle, or in-law.\nCan I put more than 3.5% down?\nYes, you can choose to make a larger down payment. Doing so can lower your monthly mortgage payment. Alternatively, you can use the funds for closing costs instead. We’ll help you decide the best approach for your situation.\nCan I use down payment assistance for an FHA loan?\nYes, you may be able to use certain types of down payment assistance programs with an FHA loan. Our Home Loan Experts can help determine what you qualify for.","sources":[{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"0e69ab72454390941503960e66bb004d","pageNumber":null,"quote":"With a down payment as low as 3.5% and flexible credit score requirements, an FHA loan from Herring Bank makes achieving your homeownership dreams more accessible than ever.","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_to_value_conditions"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"5de449e533aa8c5c821872e795849c4d","pageNumber":null,"quote":"Expanding Opportunities for Homeownership","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_to_value_conditions"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"f83978430126400af0d02a7b8ede98d0","pageNumber":null,"quote":"Low Down Payment Option","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_to_value_conditions"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"a18ccad81de790daf7c63af2931f256b","pageNumber":null,"quote":":","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_to_value_conditions"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"481345bf6650a2c56f053c192f0a311c","pageNumber":null,"quote":"You only need to contribute 3.5% of the home’s total price upfront.","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_to_value_conditions"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"4585df2659c077e551111439d22c7eee","pageNumber":null,"quote":"Can I have a co-borrower on an FHA loan?","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_to_value_conditions"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"dc3bbde2a095f100f150c32bebc4c2c8","pageNumber":null,"quote":"Yes, you can include a co-borrower on your FHA loan. At least one borrower must live in the home as their primary residence. A co-borrower may help you qualify more easily, depending on your financial situation. To qualify for the 3.5% down payment, the co-borrower must be a family member, such as a parent, spouse, child, sibling, grandparent, aunt, uncle, or in-law.","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_to_value_conditions"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"d05579bbab966ff97dbda505b049f4ed","pageNumber":null,"quote":"Can I put more than 3.5% down?","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_to_value_conditions"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"a93cd7889f3cf99c0a2453dad8ba6db9","pageNumber":null,"quote":"Yes, you can choose to make a larger down payment. Doing so can lower your monthly mortgage payment. Alternatively, you can use the funds for closing costs instead. We’ll help you decide the best approach for your situation.","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_to_value_conditions"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"a445151f45ccb18e205cac1f522c6be1","pageNumber":null,"quote":"Can I use down payment assistance for an FHA loan?","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_to_value_conditions"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"73d8bb3173bb698a097b8eb589b63b44","pageNumber":null,"quote":"Yes, you may be able to use certain types of down payment assistance programs with an FHA loan. Our Home Loan Experts can help determine what you qualify for.","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_to_value_conditions"}]},{"fieldKey":"loan_eligibility","reason":"unparsed_value","detail":"Easier Credit Qualifications\n:\nEven if your credit history isn’t flawless, you may still qualify, even with past financial challenges.\nGeneral Guidelines For This Loan\nIf your situation aligns closely with these criteria, we encourage you to \nThe Home\nThe home must serve as your primary residence. This loan can also be used to refinance an existing mortgage.\nLearn about Refinancing\nCredit and Debt\nA credit score of 580 or higher is required. Your total debt payments should not exceed 57% of your income.\nLearn about Credit and Debt\nMIP\nAn upfront mortgage insurance premium (MIP) of 1.75% of the loan amount is required. Additionally, you’ll pay a monthly MIP as part of your mortgage payments.\nLearn about MIP\nAre FHA loans only for first-time homebuyers?\nNo, FHA loans are available to both first-time and repeat homebuyers. You can also use an FHA loan to refinance your current mortgage.\nLearn about Refinancing: https://www.herringbank.com/mortgage/refinance/\nLearn about Credit and Debt: https://www.herringbank.com/learn/\nLearn about MIP: https://www.herringbank.com/learn/","sources":[{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"cbb2dab4077edf15aacad6b9bc84ffe6","pageNumber":null,"quote":"Easier Credit Qualifications","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_eligibility"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"e8759aeb57a26f5ba1d8560c242a251f","pageNumber":null,"quote":":","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_eligibility"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"31866ad29243030c298d0c4a68664a4b","pageNumber":null,"quote":"Even if your credit history isn’t flawless, you may still qualify, even with past financial challenges.","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_eligibility"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"04cfdb10ef84a606ef81e9b13f16df0e","pageNumber":null,"quote":"General Guidelines For This Loan","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_eligibility"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"5324448d641dddeca400e2e0a36b5fe4","pageNumber":null,"quote":"If your situation aligns closely with these criteria, we encourage you to","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_eligibility"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"0bdb6d0b2fd40a41c66f04638d9bba89","pageNumber":null,"quote":"The Home","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_eligibility"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"fa998c7c40aa74b8340163c9e1f33f43","pageNumber":null,"quote":"The home must serve as your primary residence. This loan can also be used to refinance an existing mortgage.","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_eligibility"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"78609ad801f99a95a208706c8dca16c3","pageNumber":null,"quote":"Learn about Refinancing","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_eligibility"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"d29ec8f21dc44f26fdde4226a671cf34","pageNumber":null,"quote":"Credit and Debt","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_eligibility"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"da4a7fd09b1e50c07ab28d68501322eb","pageNumber":null,"quote":"A credit score of 580 or higher is required. Your total debt payments should not exceed 57% of your income.","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_eligibility"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"fb82ac2fb1b909c1c8ef7a41b368e99b","pageNumber":null,"quote":"Learn about Credit and Debt","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_eligibility"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"cda4248b7697d125bdd7e47569e80ae6","pageNumber":null,"quote":"MIP","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_eligibility"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"0cb2bafb52f0f8d6da85c20ca1f562b9","pageNumber":null,"quote":"An upfront mortgage insurance premium (MIP) of 1.75% of the loan amount is required. Additionally, you’ll pay a monthly MIP as part of your mortgage payments.","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_eligibility"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"755b6bd177b26210bf4c33e0c167e55e","pageNumber":null,"quote":"Learn about MIP","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_eligibility"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"693d67440b2a1a69cd3eff4000214d45","pageNumber":null,"quote":"Are FHA loans only for first-time homebuyers?","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_eligibility"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"f913999b47da840bec382f3d95c49f68","pageNumber":null,"quote":"No, FHA loans are available to both first-time and repeat homebuyers. You can also use an FHA loan to refinance your current mortgage.","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_eligibility"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"d5e41304327ad3b19b113c1a6507b5fe","pageNumber":null,"quote":"Learn about Refinancing","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_eligibility"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"ea824c2f2c78e2da22db972aec2557e4","pageNumber":null,"quote":"Learn about Credit and Debt","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_eligibility"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"ce5a735e54686cef6c391ca33a321d72","pageNumber":null,"quote":"Learn about MIP","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_eligibility"}]},{"fieldKey":"loan_term","reason":"unparsed_value","detail":"Customizable Loan Terms\n:\nSelect from flexible repayment periods, such as 15 or 30 years, whether you’re purchasing a new home or refinancing an existing mortgage.","sources":[{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"6f1700319171e4a2c01a70c29d495690","pageNumber":null,"quote":"Customizable Loan Terms","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_term"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"fefc055d0b564ea69f8393991565826d","pageNumber":null,"quote":":","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_term"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"54cb810e4beb54615aba4e6162728bcb","pageNumber":null,"quote":"Select from flexible repayment periods, such as 15 or 30 years, whether you’re purchasing a new home or refinancing an existing mortgage.","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_term"}]},{"fieldKey":"closing_fee","reason":"unparsed_value","detail":"Closing Costs\nAlong with your down payment, you’ll need sufficient funds to pay for closing costs. Be prepared to cover these expenses in addition to your initial payment.\nLearn about Closing Costs\nLearn about Closing Costs: https://www.herringbank.com/mortgage/mortgage-calculators/closing-cost-calculator/","sources":[{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"247458498001a875630bd878f40faa4f","pageNumber":null,"quote":"Closing Costs","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"closing_fee"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"d3864a1d3761080806e4e541da30f2d0","pageNumber":null,"quote":"Along with your down payment, you’ll need sufficient funds to pay for closing costs. Be prepared to cover these expenses in addition to your initial payment.","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"closing_fee"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"8a6d7b62c7acde5d0d9b32fa220c4aa8","pageNumber":null,"quote":"Learn about Closing Costs","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"closing_fee"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"51bbf063a79bb3424925d3fb33638b9a","pageNumber":null,"quote":"Learn about Closing Costs","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"closing_fee"}]},{"fieldKey":"rate_comparison","reason":"unparsed_value","detail":"How do interest rates for FHA loans compare to other options?\nFHA loans typically offer lower interest rates than conventional mortgages because they are government-backed. Your specific rate will depend on factors like your financial history, loan amount, down payment, and other criteria.","sources":[{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"d169f4bccf5fe5e6a749ff7fe6511003","pageNumber":null,"quote":"How do interest rates for FHA loans compare to other options?","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"rate_comparison"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"e7d38c7e65b9aa3ab8b623684168fd72","pageNumber":null,"quote":"FHA loans typically offer lower interest rates than conventional mortgages because they are government-backed. Your specific rate will depend on factors like your financial history, loan amount, down payment, and other criteria.","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"rate_comparison"}]},{"fieldKey":"loan_reuse","reason":"unparsed_value","detail":"What are my refinancing options with an FHA loan?\nFHA loans offer several refinancing options:\nFHA Simple Refinance\n: For existing FHA loan holders looking to lower their interest rate or monthly payment, or switch from an adjustable-rate mortgage (ARM) to a fixed-rate loan.\nFHA Streamline Refinance\n: Available to current FHA loan holders, this option typically doesn’t require an appraisal or extensive credit checks.\nFHA Cash-Out Refinance\n: Allows you to take out a new, larger mortgage and receive the difference in cash.\nLearn more about FHA refinancing options to find the best fit for your needs.","sources":[{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"b666c0b3d1cfe4cbaabb76d550e5291c","pageNumber":null,"quote":"What are my refinancing options with an FHA loan?","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_reuse"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"0bfe3238fc77e58d28e86224ebba05bc","pageNumber":null,"quote":"FHA loans offer several 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Team","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"de53ac0e757eecf72e8bda3d175113ff","pageNumber":null,"quote":"Our Home loan experts will guide you through every step of the process, from pre-approval to closing.","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"e4fde7a61e7ed0f3fdf591cb70c19ee3","pageNumber":null,"quote":"Frequently asked questions","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"aeaa4b5325b05858e24ff0ca86d4dce8","pageNumber":null,"quote":"Here are answers to common questions about this loan, based on feedback from people like you during our research.","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"e17d5b43411e9f26b083cd8ae1b6368c","pageNumber":null,"quote":"Apply to buy a home","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring 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Online","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"765966ee9bd5a5eca719afab9d9314d5","pageNumber":null,"quote":"apply","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring 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At least one borrower must live in the home as their primary residence. A co-borrower may help you qualify more easily, depending on your financial situation. To qualify for the 3.5% down payment, the co-borrower must be a family member, such as a parent, spouse, child, sibling, grandparent, aunt, uncle, or in-law.\nCan I put more than 3.5% down?\nYes, you can choose to make a larger down payment. Doing so can lower your monthly mortgage payment. Alternatively, you can use the funds for closing costs instead. We’ll help you decide the best approach for your situation.\nCan I use down payment assistance for an FHA loan?\nYes, you may be able to use certain types of down payment assistance programs with an FHA loan. Our Home Loan Experts can help determine what you qualify for.","sources":[{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"0e69ab72454390941503960e66bb004d","pageNumber":null,"quote":"With a down payment as low as 3.5% and flexible credit score requirements, an FHA loan from Herring Bank makes achieving your homeownership dreams more accessible than ever.","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_to_value_conditions"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"5de449e533aa8c5c821872e795849c4d","pageNumber":null,"quote":"Expanding Opportunities for Homeownership","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_to_value_conditions"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"f83978430126400af0d02a7b8ede98d0","pageNumber":null,"quote":"Low Down Payment Option","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_to_value_conditions"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"a18ccad81de790daf7c63af2931f256b","pageNumber":null,"quote":":","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_to_value_conditions"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"481345bf6650a2c56f053c192f0a311c","pageNumber":null,"quote":"You only need to contribute 3.5% of the home’s total price upfront.","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_to_value_conditions"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"4585df2659c077e551111439d22c7eee","pageNumber":null,"quote":"Can I have a co-borrower on an FHA loan?","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_to_value_conditions"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"dc3bbde2a095f100f150c32bebc4c2c8","pageNumber":null,"quote":"Yes, you can include a co-borrower on your FHA loan. At least one borrower must live in the home as their primary residence. A co-borrower may help you qualify more easily, depending on your financial situation. To qualify for the 3.5% down payment, the co-borrower must be a family member, such as a parent, spouse, child, sibling, grandparent, aunt, uncle, or in-law.","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_to_value_conditions"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"d05579bbab966ff97dbda505b049f4ed","pageNumber":null,"quote":"Can I put more than 3.5% down?","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_to_value_conditions"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"a93cd7889f3cf99c0a2453dad8ba6db9","pageNumber":null,"quote":"Yes, you can choose to make a larger down payment. Doing so can lower your monthly mortgage payment. Alternatively, you can use the funds for closing costs instead. We’ll help you decide the best approach for your situation.","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_to_value_conditions"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"a445151f45ccb18e205cac1f522c6be1","pageNumber":null,"quote":"Can I use down payment assistance for an FHA loan?","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_to_value_conditions"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"73d8bb3173bb698a097b8eb589b63b44","pageNumber":null,"quote":"Yes, you may be able to use certain types of down payment assistance programs with an FHA loan. Our Home Loan Experts can help determine what you qualify for.","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_to_value_conditions"}]},{"fieldKey":"loan_eligibility","reason":"unparsed_value","detail":"Easier Credit Qualifications\n:\nEven if your credit history isn’t flawless, you may still qualify, even with past financial challenges.\nGeneral Guidelines For This Loan\nIf your situation aligns closely with these criteria, we encourage you to \nThe Home\nThe home must serve as your primary residence. This loan can also be used to refinance an existing mortgage.\nLearn about Refinancing\nCredit and Debt\nA credit score of 580 or higher is required. Your total debt payments should not exceed 57% of your income.\nLearn about Credit and Debt\nMIP\nAn upfront mortgage insurance premium (MIP) of 1.75% of the loan amount is required. Additionally, you’ll pay a monthly MIP as part of your mortgage payments.\nLearn about MIP\nAre FHA loans only for first-time homebuyers?\nNo, FHA loans are available to both first-time and repeat homebuyers. You can also use an FHA loan to refinance your current mortgage.\nLearn about Refinancing: https://www.herringbank.com/mortgage/refinance/\nLearn about Credit and Debt: https://www.herringbank.com/learn/\nLearn about MIP: https://www.herringbank.com/learn/","sources":[{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"cbb2dab4077edf15aacad6b9bc84ffe6","pageNumber":null,"quote":"Easier Credit Qualifications","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_eligibility"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"e8759aeb57a26f5ba1d8560c242a251f","pageNumber":null,"quote":":","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_eligibility"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"31866ad29243030c298d0c4a68664a4b","pageNumber":null,"quote":"Even if your credit history isn’t flawless, you may still qualify, even with past financial challenges.","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_eligibility"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"04cfdb10ef84a606ef81e9b13f16df0e","pageNumber":null,"quote":"General Guidelines For This Loan","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_eligibility"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"5324448d641dddeca400e2e0a36b5fe4","pageNumber":null,"quote":"If your situation aligns closely with these criteria, we encourage you to","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_eligibility"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"0bdb6d0b2fd40a41c66f04638d9bba89","pageNumber":null,"quote":"The Home","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_eligibility"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"fa998c7c40aa74b8340163c9e1f33f43","pageNumber":null,"quote":"The home must serve as your primary residence. This loan can also be used to refinance an existing mortgage.","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_eligibility"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"78609ad801f99a95a208706c8dca16c3","pageNumber":null,"quote":"Learn about Refinancing","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_eligibility"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"d29ec8f21dc44f26fdde4226a671cf34","pageNumber":null,"quote":"Credit and Debt","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_eligibility"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"da4a7fd09b1e50c07ab28d68501322eb","pageNumber":null,"quote":"A credit score of 580 or higher is required. Your total debt payments should not exceed 57% of your income.","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_eligibility"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"fb82ac2fb1b909c1c8ef7a41b368e99b","pageNumber":null,"quote":"Learn about Credit and Debt","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_eligibility"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"cda4248b7697d125bdd7e47569e80ae6","pageNumber":null,"quote":"MIP","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_eligibility"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"0cb2bafb52f0f8d6da85c20ca1f562b9","pageNumber":null,"quote":"An upfront mortgage insurance premium (MIP) of 1.75% of the loan amount is required. Additionally, you’ll pay a monthly MIP as part of your mortgage payments.","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_eligibility"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"755b6bd177b26210bf4c33e0c167e55e","pageNumber":null,"quote":"Learn about MIP","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_eligibility"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"693d67440b2a1a69cd3eff4000214d45","pageNumber":null,"quote":"Are FHA loans only for first-time homebuyers?","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_eligibility"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"f913999b47da840bec382f3d95c49f68","pageNumber":null,"quote":"No, FHA loans are available to both first-time and repeat homebuyers. You can also use an FHA loan to refinance your current mortgage.","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_eligibility"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"d5e41304327ad3b19b113c1a6507b5fe","pageNumber":null,"quote":"Learn about Refinancing","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_eligibility"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"ea824c2f2c78e2da22db972aec2557e4","pageNumber":null,"quote":"Learn about Credit and Debt","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_eligibility"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"ce5a735e54686cef6c391ca33a321d72","pageNumber":null,"quote":"Learn about MIP","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_eligibility"}]},{"fieldKey":"loan_term","reason":"unparsed_value","detail":"Customizable Loan Terms\n:\nSelect from flexible repayment periods, such as 15 or 30 years, whether you’re purchasing a new home or refinancing an existing mortgage.","sources":[{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"6f1700319171e4a2c01a70c29d495690","pageNumber":null,"quote":"Customizable Loan Terms","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_term"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"fefc055d0b564ea69f8393991565826d","pageNumber":null,"quote":":","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_term"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"54cb810e4beb54615aba4e6162728bcb","pageNumber":null,"quote":"Select from flexible repayment periods, such as 15 or 30 years, whether you’re purchasing a new home or refinancing an existing mortgage.","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_term"}]},{"fieldKey":"closing_fee","reason":"unparsed_value","detail":"Closing Costs\nAlong with your down payment, you’ll need sufficient funds to pay for closing costs. Be prepared to cover these expenses in addition to your initial payment.\nLearn about Closing Costs\nLearn about Closing Costs: https://www.herringbank.com/mortgage/mortgage-calculators/closing-cost-calculator/","sources":[{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"247458498001a875630bd878f40faa4f","pageNumber":null,"quote":"Closing Costs","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"closing_fee"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"d3864a1d3761080806e4e541da30f2d0","pageNumber":null,"quote":"Along with your down payment, you’ll need sufficient funds to pay for closing costs. Be prepared to cover these expenses in addition to your initial payment.","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"closing_fee"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"8a6d7b62c7acde5d0d9b32fa220c4aa8","pageNumber":null,"quote":"Learn about Closing Costs","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"closing_fee"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"51bbf063a79bb3424925d3fb33638b9a","pageNumber":null,"quote":"Learn about Closing Costs","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"closing_fee"}]},{"fieldKey":"rate_comparison","reason":"unparsed_value","detail":"How do interest rates for FHA loans compare to other options?\nFHA loans typically offer lower interest rates than conventional mortgages because they are government-backed. Your specific rate will depend on factors like your financial history, loan amount, down payment, and other criteria.","sources":[{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"d169f4bccf5fe5e6a749ff7fe6511003","pageNumber":null,"quote":"How do interest rates for FHA loans compare to other options?","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"rate_comparison"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"e7d38c7e65b9aa3ab8b623684168fd72","pageNumber":null,"quote":"FHA loans typically offer lower interest rates than conventional mortgages because they are government-backed. Your specific rate will depend on factors like your financial history, loan amount, down payment, and other criteria.","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"rate_comparison"}]},{"fieldKey":"loan_reuse","reason":"unparsed_value","detail":"What are my refinancing options with an FHA loan?\nFHA loans offer several refinancing options:\nFHA Simple Refinance\n: For existing FHA loan holders looking to lower their interest rate or monthly payment, or switch from an adjustable-rate mortgage (ARM) to a fixed-rate loan.\nFHA Streamline Refinance\n: Available to current FHA loan holders, this option typically doesn’t require an appraisal or extensive credit checks.\nFHA Cash-Out Refinance\n: Allows you to take out a new, larger mortgage and receive the difference in cash.\nLearn more about FHA refinancing options to find the best fit for your needs.","sources":[{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"b666c0b3d1cfe4cbaabb76d550e5291c","pageNumber":null,"quote":"What are my refinancing options with an FHA loan?","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_reuse"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"0bfe3238fc77e58d28e86224ebba05bc","pageNumber":null,"quote":"FHA loans offer several 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cash.","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_reuse"},{"snapshotId":"45848","sourceKind":"official_issuer","publisherName":"Herring Bank","capturedAt":"2026-10-05T18:54:40.151Z","effectiveOn":"2026-10-05","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.herringbank.com/mortgage/fha-loan/","passageId":"09f3d34ae8a47d1d4e67cb334921eb79","pageNumber":null,"quote":"Learn more about FHA refinancing options to find the best fit for your needs.","recordId":"official-issuer:page:url:1aa3f4256f29ca7502ad887be1028f157ac7b0c93e0716a9820ca9dcf8b3b9f9","recordFields":[],"fieldKey":"loan_reuse"}]}]}],"documents":[]}}