Service Areas
About Anna Paduhovich
HOBBIES/INTEREST
FAMILY
Credentials
LICENSE
Designation
CRS, CNE, ABR, SSR,CPRES
Specialties
- Sellers
- Buyers
- Residential Property
Listing Agent, Relocation, Buyer's Agent, Luxury, Military Specialist, Short-Sale
Awards
-
2026
TOP 25 AGENT
Virginia
2026
TOP AGENT
Virginia Beach, VA
2026
TOP AGENT
Chesapeake, VA
Other Awards
Circle of Excellence 2014-2019, Top agent in Hampton Roads 2014-2019
FAQ
Answered Questions
Great questionaEUR"and the right way to think about it is not which loan is " better,aEUR? but which one fits your family's situation best. FHA loans are typically more flexible, allowing for lower credit scores and smaller down payments, which can be helpful if you're trying to get into a home sooner; however, they do come with mortgage insurance that usually stays for the life of the loan unless you refinance later. Conventional loans, on the other hand, can be a stronger long-term option if your credit and financial profile allow, since mortgage insurance can eventually fall off and the overall cost may be lower over time. What I typically recommend is looking at both options side by sideaEUR"comparing monthly payments, total cost, and how long you plan to stay in the homeaEUR"so you can make a decision based on both your short-term comfort and long-term goals. The best next step would be to connect with a lender who can run those scenarios for you and help you build a clear strategy around what makes the most sense for your family.
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