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HausGeek gives homebuyers and sellers the tools to self-represent with clarity and confidence.
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20.0% of home price
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Guides, calculators, and tools tailored to your real estate goals
| Loan Type | Down Payment | Credit Score | Benefits | Drawbacks | Best For |
|---|---|---|---|---|---|
| Conventional | 3-20% | 620+ | Lower PMI costs, flexible terms | Higher credit requirements | Buyers with good credit and stable income |
| FHA | 3.5% | 580+ | Lower credit requirements, more lenient DTI ratios | Mandatory mortgage insurance for loan life | First-time homebuyers with limited savings |
| VA | 0% | 620+ | No down payment, no PMI, competitive rates | Funding fee, must be military/veteran | Eligible veterans and service members |
| USDA | 0% | 640+ | No down payment, lower mortgage insurance | Location restrictions, income limits | Low to moderate-income rural homebuyers |
| Jumbo | 10-20% | 700+ | Finance luxury or high-cost area homes | Stricter requirements, higher rates | High-income buyers in expensive markets |
| ARM | 5-20% | 620+ | Lower initial rates, potential savings | Rate increases after fixed period | Short-term homeowners or rising income buyers |
Everything you need to know about self-representing in real estate
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