About FHAorConventional.com
Empowering American homebuyers with transparent, unbiased, and mathematically rigorous mortgage comparison algorithms and expert-reviewed educational resources.
Our Mission: Eliminating Mortgage Confusion
For millions of prospective homeowners, deciding between a government-backed FHA loan and a conforming Conventional mortgage is the most perplexing financial hurdle in their homebuying journey. Commercial lending portals often obscure the math behind complex private mortgage insurance (PMI) risk curves, mandatory upfront MIP fees, and differing amortization schedules to channel buyers into high-commission products.
FHAorConventional.com was founded to provide a 100% transparent, client-side financial computation engine paired with an authoritative educational knowledge center. We deliver instant side-by-side payment comparisons, 5-year break-even horizons, and lifetime interest disclosures without tracking your personal data or demanding signups.
Mathematical Precision
Our algorithms model exact HUD UFMIP rules (1.75%), annual MIP triggers (0.50%-0.55%), and credit-tiered PMI risk grids.
Zero Commercial Bias
We do not accept lender referral kickbacks or bias calculations in favor of any bank or brokerage firm.
Annual Regulatory Sync
Our models are synchronized with annual HUD Mortgagee Letters, FHFA conforming loan limit revisions, and CFPB rules.
Our Editorial Board & Financial Experts
In accordance with Google E-E-A-T (Experience, Expertise, Authoritativeness, and Trustworthiness) standards, all content on FHAorConventional.com is produced and reviewed by seasoned residential lending professionals:
Marcus Vance
Senior Mortgage Research Director & Founder
Marcus brings over 14 years of hands-on experience in residential mortgage underwriting analysis, credit risk modeling, and loan structuring. Having evaluated thousands of Fannie Mae Desktop Underwriter (DU) and FHA TOTAL Scorecard files, he specializes in translating complex federal housing guidelines into actionable consumer advice.
Sarah Jenkins, CFP®
Senior Financial Reviewer & Compliance Editor
Sarah is a Certified Financial Planner (CFP®) with a specialization in consumer debt optimization, first-time homebuyer readiness, and long-term household wealth accumulation. She conducts fact-checking audits across all guides to verify compliance with CFPB Regulation Z and federal lending disclosures.
Editorial Principles & Quality Control
1. Primary Source Verification
Every calculation, rule, and fee mentioned on this website is directly cross-referenced against authoritative government sources: the HUD Single Family Housing Policy Handbook 4000.1, the Fannie Mae Single Family Selling Guide, the Freddie Mac Seller/Servicer Guide, and Consumer Financial Protection Bureau (CFPB) bulletins.
2. Quarterly Algorithm & Rate Audits
Our calculation engines are audited quarterly by our financial research team to reflect current prevailing Freddie Mac PMMS mortgage rates, updated conforming and high-cost county loan caps, and HUD policy revisions.
3. Clear Corrections Policy
We take financial accuracy seriously. If a regulatory policy changes or an error is identified by our readers, our team reviews and updates the relevant guide within 48 business hours, appending an updated verification timestamp.
Have Questions or Feedback?
Submit editorial suggestions, math inquiries, or contact our research desk.