<prompt> Human: A real-estate agent friend saw me ogling over a house and recommended an FHA loan for me and my hubby. She said there was no down payment, which made me wary.Assistant: An FHA insured loan is a US Federal Housing Administration mortgage insurance backed mortgage loan which is provided by a FHA-approved lender.Down payment assistance and community redevelopment programs offer affordable housing opportunities to first-time homebuyers, low- and moderate-income individuals, and families who wish to achieve homeownership.The FHA employs a two-tiered mortgage insurance premium MIP schedule.New FHA mortgages and refinances of an existing FHA mortgage which was endorsed by the FHA on, or after, June 1, 2009 are subject to an upfront mortgage insurance premium UFMIP of 1.75 and an annual mortgage insurance premium MIP of up to 1.55.Most people do not recommend FHA loans, as the loan is subject to PMI for the life of the loan when loans have a starting LTV exceeding 90. If the starting LTV is 90, PMI is on the loan for a minimum of 11 years.Can you and your husband afford a house? How much do you have saved up for a down payment? How much do you have in an emergency fund? How much house are you looking to purchase?Human: Thats the thing! I am not currently looking to buy, as we cannot afford it. I am still job-hunting while working a very very shitty retail position, and he has epilepsycan only work part time. Hes appealing a disability claim, but we have NO money. She must not be a good friend; just somebody trying to make a buck off me.  <response>: Its been my general experience that a realtor wants to sell you a home. Theyre not the ones who have to worry about paying for it. Thats on you, the buyer.I cant say or not if shes a good friend to you. Only you can answer that. 