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Rebecca Dillon
Rebecca Dillon is an ERA ONETEAM agent, serving Jacksonville and Northeast Florida across Duval, St. Johns, and Clay Counties. Licensed since 2014, she help buyers, sellers, and investors navigate real estate with expert market knowledge, strong negotiation skills, and personalized service.
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Rebecca Dillon is an ERA ONETEAM agent, serving Jacksonville and Northeast Florida across Duval, St. Johns, and Clay Counties. Licensed since 2014, she help buyers, sellers, and investors navigate real estate with expert market knowledge, strong negotiation skills, and personalized service.
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FHA Loan Options for Jacksonville Buyers
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.
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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
Federal Housing Administration (organization, 0.99) · U.S. Department of Housing and Urban Development (organization, 0.95) · NerdWallet (organization, 0.95) · FHA loan (concept, 0.99) · conventional loan (concept, 0.9) · mortgage insurance (concept, 0.9) · FICO score (concept, 0.85)
Classification
reference · language en · status final
Provenance
claude-opus-4-6 via @stacklist/mcp-server@2.0.0, confidence 0.85, 14 May 2026