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FHA vs Conventional Loan in 2026: Don't Make This $20,000 Mistake

2026-05-27 · 18:30 UTC ·Win The House You Love ·2 min read

Brief

Kyle Seagraves (NFM Lending, NMLS 1701021) produced a 2026-05-27 tutorial that compares FHA and conventional loans using concrete numbers. The video walks viewers through how each loan affects offer competitiveness, cash-to-close, monthly payments and long-term cost, warns of an approximate $20,000 downside for the wrong choice, and shows a calculator demo at 10:23.

Why it matters

Kyle Seagraves (Loan Originator, NMLS 1701021) published a tutorial on 2026-05-27 showing that choosing the wrong FHA vs conventional loan can cost roughly $20,000 over time and materially changes monthly payment, cash-to-close, and long-term cost.

Key details

  • The 13+ minute walkthrough is structured with timed sections (Quick Comparison 1:26; Hidden Conventional Loans 3:03; How Each Affects Your Offer 4:39; What Do You Qualify For? 5:51; Long Term Of Each Loan 7:27; Calculator Comparison 10:23) and uses calculator examples to quantify differences.
  • Seagraves emphasizes offer strategy and qualification trade-offs between FHA and conventional programs, provides a calculator comparison at 10:23, and links to his pre-approval page at winthehouseyoulove.com and NFM Lending contact information for follow-up.
Source evidence

FHA vs Conventional Loan in 2026 — which one will actually cost you less? In this video, I break down the numbers on FHA and conventional loans so you can see the real difference in monthly payment, cash to close, and long-term cost.

I'm Kyle Seagraves, a licensed loan officer with NFM Lending. My team and I help homebuyers figure out which loan program makes the most sense for their situation, and we do it with real numbers, not sales pitches.

Get pre-approved with us:
🔗 https://winthehouseyoulove.com
📧 kyle@winthehouseyoulove.com

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0:00 FHA vs Conventional
1:26 Quick Comparison
3:03 Hidden Conventional Loans
4:39 How Each Affects Your Offer
5:51 What Do You Qualify For?
7:27 Long Term Of Each Loan
10:23 Calculator Comparison
13:23 Get Pre-Approved

— DISCLAIMER —
Kyle Andrew Seagraves is Licensed Loan Originator (NMLS 1701021) with NFM Lending (NMLS 2893), an Equal Housing Lender. Separately, Kyle owns Win The House You Love LLC, an education company. Win The House You Love LLC is not a lender, does not issue loan qualifications, and does not extend credit of any kind. This video is only for educational usage. All calculations should be verified independently. This video is not an offer to lend and should not be used directly to make decisions on home offers, purchasing decisions, or loan selections. Not guaranteed to provide accurate results, imply lending terms, qualification amounts, or real estate advice. Seek counsel from a licensed real estate agent, loan originator, financial planner, accountant, and/or attorney for real estate, legal, and/or financial advice. Not affiliated with the VA, FHA, or any other government agency. This video has not been approved by any government agency.

NFM Lending
1190 Winterson Road, Suite 300,
Linthicum, MD 21090
Toll Free: +1 (888) 233-0092
NMLS #2893
Equal Housing Lender

Channel: Win The House You Love
Published: 2026-05-27
Video URL: https://www.youtube.com/watch?v=nFstQVDbhDc