{"version":"1.0","type":"card","id":"156ac8eb-d72d-4af5-b924-0129a5056980","url":"https://stacklist.com/card/156ac8eb-d72d-4af5-b924-0129a5056980","title":"Conventional vs. FHA Loans for St. Augustine Buyers","source_url":"https://hud.gov/helping-americans/loans","note":"FHA loans allow a lower down payment, as little as 3.5%, and more flexible credit requirements, making them a common choice for first-time buyers in more affordable pockets of St. Johns County. Conventional loans often make more sense for buyers with stronger credit and 20% down. Choosing the right loan type shapes both your monthly payment and how competitive your offer looks to sellers.","image":{"url":"https://ucarecdn.com/f1be8ef5-f222-46b9-b40a-4595ba4d9bef/","alt":"Conventional vs. FHA Loans for St. Augustine Buyers","width":500,"height":360},"stack":{"id":"d7355e87-25f5-40b2-bcb8-1d37eaba537d","title":"First-Time Homebuyer Guide","url":"https://stacklist.com/c/home/stack/d7355e87-25f5-40b2-bcb8-1d37eaba537d"},"created_at":"2026-07-30T06:39:27.250Z","updated_at":null,"aco":null,"_links":{"self":"/api/public/card/156ac8eb-d72d-4af5-b924-0129a5056980.json","html":"https://stacklist.com/card/156ac8eb-d72d-4af5-b924-0129a5056980","md":"/api/public/card/156ac8eb-d72d-4af5-b924-0129a5056980.md","stack_json":"/api/public/stack/d7355e87-25f5-40b2-bcb8-1d37eaba537d.json"}}