FHA versus PMI: Here's the difference for your mortgage
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FHA vs. PMI – What’s the Difference? Thinking of buying a home but don’t have 20% down? You’ll likely need mortgage insurance—but not all mortgage insurance is the same! ✅ FHA Mortgage Insurance (MIP) – Required for all FHA loans, no matter your down payment. It includes an upfront fee and an annual premium (paid monthly) that usually lasts for the life of the loan unless you refinance. ✅ Private Mortgage Insurance (PMI) – Required for conventional loans when you put down less than 20%. The good
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