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The Hidden FHA Loan Cost That Lasts Forever

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Created December 8, 2025

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Check out this video I made with revid.ai

https://www.revid.ai/view/the-hidden-fha-loan-cost-that-lasts-forever-HBlCjPQmww1F3EOmvaSO

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Video Transcript

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2:16

Wait, so if the conventional PMI goes away, why would FHA, which is supposed

2:20

to be helping people, saddle them with a cost that lasts forever? That seems wrong.

2:26

It feels that way, but it's how the government protects itself against the higher risk it's

2:30

taking on. Yeah. And here's the kicker. If you're like most FHA buyers and you

2:34

put down less than 10%, that annual insurance premium, the MIP,

2:39

it is permanent. For the entire life of the loan? For the entire life of the loan.

2:42

It never drops off. Wow, okay, that is a huge financial anchor.

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