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Advantages of an advertisement Second Mortgage or Equity Loan VA Loan Pros and Cons As with any mortgage option, VA loans have pros and cons that you should be aware of before making a final decision.. pmi typically disappears once you have about 20 percent equity in your home. There is no PMI on a VA loan..

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What Is an FHA Loan? An FHA Loan is a residential mortgage insured by the Federal Housing Administration. Having the backing/insurance of the Federal Housing Administration enables lenders to offer loans for a person’s primary residence that have easier qualification standards and lower down payment options than are otherwise available via traditional mortgage products.

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