 TITLE: Is an FHA Loan Right for You? CONTENT: Other Options for Getting a Mortgage\n------------------------------------\nIf an FHA loan doesn't sound like the right mortgage for you, there are numerous other options for first-time homebuyers. Here are a few:\n*   If your credit is higher than what's required for an FHA loan, you could check and see if you qualify for a conventional loan, especially since many lenders now offer ones with low down payments.\n*   If you are a current or former military service member or spouse, you might be eligible for a VA loan. These government-backed mortgages allow for zero down payment and have no mortgage insurance requirement.\n*   Those who are low income earners and want to buy a home in a rural area could qualify for a USDA loan. These government-backed loans come in two types, but both allow for low or no down payment, and the interest rate is low. END