{"version":"1.0","type":"card","id":"33a29820-86e1-4957-ae55-149465eed5c3","url":"https://stacklist.com/card/33a29820-86e1-4957-ae55-149465eed5c3","title":"FHA Loan Options for Jacksonville First-Time Buyers","source_url":"https://www.nerdwallet.com/mortgages/learn/fha-loan","note":"FHA loans let first-time buyers in Jacksonville put as little as 3.5% down with more flexible credit requirements than conventional loans. This NerdWallet guide explains eligibility and loan limits for Duval and St. Johns Counties.\n","image":{"url":"https://ucarecdn.com/e5516858-fd85-4d50-bde9-1613620991f6/","alt":"FHA Loan Options for Jacksonville First-Time Buyers","width":1859,"height":1047},"stack":{"id":"306e406e-9401-4ad9-885f-2037af63a977","title":"First-Time Homebuyer Resources in Jacksonville, Florida","url":"https://stacklist.com/c/home/stack/306e406e-9401-4ad9-885f-2037af63a977"},"created_at":"2026-07-29T09:29:10.029Z","updated_at":null,"aco":{"summary":"FHA loans are mortgages insured by the Federal Housing Administration that allow down payments as low as 3.5% with a 580 credit score, making them accessible for first-time home buyers and those with limited savings or credit challenges. The article compares FHA and conventional loans across credit requirements, mortgage insurance, gift funds, appraisal standards, and closing costs.","tags":["fha-loans","mortgage","down-payment","home-buying","mortgage-insurance","credit-score","first-time-homebuyer"],"key_entities":[{"name":"Federal Housing Administration","type":"organization","confidence":0.99},{"name":"U.S. Department of Housing and Urban Development","type":"organization","confidence":0.95},{"name":"NerdWallet","type":"organization","confidence":0.95},{"name":"FHA loan","type":"concept","confidence":0.99},{"name":"conventional loan","type":"concept","confidence":0.9},{"name":"mortgage insurance","type":"concept","confidence":0.9},{"name":"FICO score","type":"concept","confidence":0.85}],"classification":"reference","language":"en","confidence":0.85,"provenance":{"model":"claude-opus-4-6","tool":"@stacklist/mcp-server@2.0.0","confidence":0.85,"timestamp":"2026-05-14T12:56:50.252Z"},"token_counts":{"approximate":4660,"cl100k":4174},"content_hash":"sha256:d3c23df4d0049efc62f8fdbb011478caae49eec2c333017d3eb9788e94fa1e97","acp_version":"0.2","body_available":true,"body_tokens":4660,"visibility":"public","agent_accessible":true,"status":"final"},"_links":{"self":"/api/public/card/33a29820-86e1-4957-ae55-149465eed5c3.json","html":"https://stacklist.com/card/33a29820-86e1-4957-ae55-149465eed5c3","md":"/api/public/card/33a29820-86e1-4957-ae55-149465eed5c3.md","stack_json":"/api/public/stack/306e406e-9401-4ad9-885f-2037af63a977.json"}}