{"type":"rich","version":"1.0","provider_name":"Transistor","provider_url":"https://transistor.fm","author_name":"#AskElla SHOW","title":"Wrong Mortgage = $50,000 Mistake: FHA vs VA vs Conventional (Which Saves YOU Money)","html":"<iframe width=\"100%\" height=\"180\" frameborder=\"no\" scrolling=\"no\" seamless src=\"https://share.transistor.fm/e/1c7ff164\"></iframe>","width":"100%","height":180,"duration":1478,"description":"FHA, VA, or Conventional — one wrong choice can cost you for decades.\nOne right choice can save you tens — even hundreds — of thousands of dollars.I’m Ella Gurfinkel, senior loan officer with nearly 30 years of experience and 2,000+ closed loans, and in this episode I break down the real truth behind the three most common mortgage programs in 2025–2026.Too many buyers are pushed into the wrong loan — not because it’s best for them, but because someone didn’t know better… or didn’t bother to explain the difference.🔍 In this episode, you’ll learn:How FHA, VA, and Conventional loans actually work in 2025–2026Why FHA is NOT a “first-time buyer loan” (huge myth)Why many veterans are overpaying and underusing their VA benefitsWhen Conventional beats FHA — and when it absolutely doesn’tThe hidden mortgage insurance traps most buyers missNew credit score rules that change approval strategy completelyI also share real client cases — including how I helped one couple buy with $0 down, then refinance into major savings within just a few years.📩 Not sure which loan is right for YOU?\nBook a no-pressure consultation and let’s run the numbers together:\n👉 https://calendly.com/teamella/a-conversation-with-ella-gurfinkelStop guessing. Start saving.","thumbnail_url":"https://img.transistorcdn.com/1JQmKKn11mPyRjv3aWoNIn5MGi7k846a3USRG5h__XY/rs:fill:0:0:1/w:400/h:400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9lNDdm/ZmY4NjcyYjU2OTdj/MmFjNGEyMjE1NDJm/MTIxMi5qcGc.webp","thumbnail_width":300,"thumbnail_height":300}