Anything under 20% requires FHA?Ive been working with a lender and originally, in my priority buyer letter, the numbers lined up like a conventional loan. However, when he sent me disclosure papers a week later, the loan type he checked off was FHA.I've asked specifically if there was a way around FHA if I put less than 20 percent down and he indicated this was not possible. My plan was to put down 5 percent and go Conventional. Is this not possible?My credit score is 757, and my monthly income is over 9k. Im buying a relatively inexpensive property (179k), and I think my debt ratios are good. No bankruptcy, judgements, etc. Is FHA the only way?February 09 2014 - Humble00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.