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Expert Home Loan Advisors! FHA Loans, VA Loans, USDA Rural Development and Conventional Loans in Florida When comparing USDA loans vs FHA loans keep in mind that an FHA loan does not have any requirements as to where the home is. usda loans only apply to those homes in rural locations. The mortgage insurance is higher for FHA loans when compared to USDA loans, meaning that it can be more expensive.

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