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First Time Fha Loan An FHA loan is a mortgage insured by the federal government. With down payments as low as 3.5% and easier qualifications than conventional mortgages, FHA loans are popular with first-time.SAN DIEGO (KUSI) – So how much do. national mortgage rate data from Freddie Mac and the Mortgage Bankers Association of America, and property tax and homeowner’s insurance costs data to determine.