About FHAorConventional.com
Empowering US homebuyers with transparent, instant, and mathematically accurate mortgage comparison tools.
Our Mission
For millions of Americans, choosing between an FHA loan and a Conventional mortgage is one of the most confusing parts of buying a home. Lenders often present complex loan estimates with hidden upfront fees, complex private mortgage insurance (PMI) tiers, and varying amortization schedules that make direct comparison difficult.
FHAorConventional.com was built to solve this problem by offering an uncompromised, side-by-side financial calculator that processes instant loan math directly in your browser.
Mathematical Precision
We incorporate exact FHA UFMIP rates (1.75%), tiered credit score PMI models, and full 30-year amortization routines.
Unbiased & Free
We are an independent educational resource with zero preference toward any particular lender or mortgage product.
Educational Purpose
Whether you are a first-time homebuyer with a 3.5% down payment or a seasoned buyer exploring options with a 700+ credit score, our dynamic visual comparison graph helps you quickly see how monthly insurance costs change over a 5-year and 30-year horizon.