@AJ SmithFHA is a govt backed program intended to promote home ownership for lower income and people w/ bad credit.Pros: slightly lower down payment, can qualify with lower credit score, generally better ratesCons: PMI forever, longer closing (45 days usually), may require small things like a broken window to be fixed for the bank to move forward with the loanConventionalPros: PMI only until LTV reaches roughly 80% (I think it's 78%?)

I'm looking to invest in tax certificates in Birmingham, AL.

There are many great programs out there.

It was good learning experience and hope this helps anyone who is thinking about doing a HELOC or other home equity programs.

I recently discovered the 80-10-10 What other programs are there?

Is there ways to help reduce those costs other than upgrading to energy efficient appliances in the future. i did see a mention of the Clean Reads program for water in the Cleveland area for more accurate measurements if anyone can help explain that a little more.

According to the website, "This incentive program offers homeowners optional financing, design, permitting, and construction support to build a new ADU in the City of Los Angeles.

You need to discuss with some lenders as they are all different and have different programs requirements rates and terms.

Unless you're lucky enough to work for Keller-Williams or some of the other major brokerages with solid training processes, nobody is going to provide much help.There are some good training programs for new agents like YesMasters or the book "Your First 365 Days In Real Estate" or something similar.

Recently I have one that runs a great passive investment program out of Canada and is looking to expand into the US.