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The rate for home-backed loans averaged an annualized rate of 2.93 percent in May, down 0.05 percentage points from the previous month, according to the Bank of Korea (BOK). It was the lowest in more.

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By insuring mortgage loans the risks lenders face was greatly reduced. It is much easier to qualify for this Government home loan than a conventional mortgage because of the lenient loan requirements. The term "bad credit home loans" often refers to an FHA mortgage, or sub-prime loan. Check Current FHA Rates. FHA Credit Requirements