{"version":"1.0","type":"card","id":"db323383-ae3f-411d-b649-c2896f94f970","url":"https://stacklist.com/card/db323383-ae3f-411d-b649-c2896f94f970","title":"FHA Loans","source_url":"https://www.nerdwallet.com/mortgages/learn/fha-loan","note":"An FHA loan is a mortgage insured by the Federal Housing Administration. FHA loans are designed for buyers with limited savings or lower credit scores.\n","image":{"url":"https://ucarecdn.com/2213cb45-7b48-4377-a08d-7d797b5ba560/","alt":"FHA Loans","width":1200,"height":630},"stack":{"id":"8acd42af-7784-487c-9a47-b0f26f0354fc","title":"First-Time Homebuyer Resources in Jacksonville, Florida","url":"https://stacklist.com/c/business/stack/8acd42af-7784-487c-9a47-b0f26f0354fc"},"created_at":"2026-05-14T12:56:39.433Z","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/db323383-ae3f-411d-b649-c2896f94f970.json","html":"https://stacklist.com/card/db323383-ae3f-411d-b649-c2896f94f970","md":"/api/public/card/db323383-ae3f-411d-b649-c2896f94f970.md","stack_json":"/api/public/stack/8acd42af-7784-487c-9a47-b0f26f0354fc.json"}}