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FHA loans are popular for their low 3.5% down payment and low credit. If you want to buy a home but you don't have 20% down or perfect credit. If you have a poor credit rating, then you should find a subprime FHA lender to work with.

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Nevertheless, Bankrate.com lists Minnesota as the third-best market in the nation. Otherwise, home buyers will find mortgage insurance provided through the Federal Housing Administration, which is.

The best way to buy a house is to pay 100% in cash.. To get an FHA loan, you'd have to work with an FHA-approved lender, which could be a bank, credit.

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After home prices tumbled, your only option for a low-down-payment loan was an FHA. find your dream home and not qualify for a large-enough mortgage," says Bob Walters, chief economist for Quicken.