[cercis]

Jodi, I think this shows the variability in areas.

In OK, we had an FHA loan but the seller wasn't happy about it at all. They had to make a lot more modifications than they would have with a conventional. For instance- the gas water heater wasn't raised, which is not up to code. In a conventional loan (even one where you put no money down), that wouldn't have been an issue, but with an FHA loan, they had to fix it. They also had to replace all the window screens (I'm not sure what that was about, but there and here in TX we were told that it was an FHA requirement).

I think, in many cases, you get a better house if you go FHA because the seller will have had to make sure everything is up to code before you buy.