And so we got an FHA beginning farmer loan.

于是我们申请了一笔联邦住房管理局新农民贷款。

Start with a four-unit property, finance it 3.5% down FHA.

四单元房产起步，使用3.5%首付的联邦住房管理局贷款进行融资。

A VA loan is more expensive than an FHA loan.

VA贷款比FHA贷款更昂贵。

HUD FHA requires that they attempt a forbearance before foreclosure if you request it.

美国住房和城市发展部（HUD）的联邦住房管理局（FHA）规定，如果你提出申请，他们在进行止赎前必须先尝试宽限期。

So a lot of FHA, VA loans, you can assume them.

因此，许多FHA、VA贷款，你都可以接手。

It's an FHA loan, government loan.

这是联邦住房管理局贷款，一种政府贷款。

Do you know how big of a share of FHA that one category consisted of?

你知道那一类别在联邦住房管理局中占了多大份额吗？

The FHA is the government, federal government, Federal Housing Administration, guarantees this loan for, we'll say, countrywide.

FHA是政府， 联邦政府，联邦住房管理局， 为这个贷款提供担保，我们可以说是由全国范围内的机构提供的。

And so we removed that category out of the FHA mortgage-backed HUD-funded money because this was allowed.

因此，我们取消了FHA抵押贷款支持的HUD资金中该类别，因为这是被允许的。

And I say multi-unit because it's just not smart to buy a single family FHA in my eyes.

而且我说的是多单元房产，因为在我看来，仅仅购买一套独栋的联邦住房管理局贷款房产是不明智的。

So there's this program FHA where it's only three and a half percent down.

所以有一个联邦住房管理局贷款项目，只需要支付3.5%的首付。

And if you live, you gotta live there anyways because it's an FHA loan, it's an owner-occupied loan.

而且如果你买了，你就得住在那里，因为那是联邦住房管理局贷款，是自住贷款。

We drove to the bank and didn't have two nickels to rub together and we got a FHA beginning farmer loan.

我们开车去了银行，身无分文，却成功申请到了联邦住房管理局的初农贷款。

Because once you get married, you qualify for one FHA loan as a couple.

因为一旦你结婚了，作为夫妻你们就有资格申请一笔联邦住房管理局贷款。

I was going to go and take out a FHA one.

我原本打算申请联邦住房管理局的贷款。

And they think, well, if you just have an FHA loan or a VA loan, I've heard about that.

他们认为，嗯，如果你只是有FHA贷款或VA贷款，我听说过这些。

It's higher than FHA and it's higher than Fannie Mae.

它比 FHA 和房利美都要高。

So I said, I got my three units FHA, and I told her, you got to get your own.

所以我跟她说，我有了三个单元的联邦住房管理局贷款，你也得自己搞一个。

If you have a girlfriend, boyfriend, don't get married until each of you get your own multi-unit FHA property.

如果你有女朋友或男朋友，在你们每个人都有自己的多单元联邦住房管理局贷款房产之前， 都不要结婚。

Number one, with an FHA loan, there is zero chance they are going to foreclose before you are six to seven payments behind.

排名第一，有了FHA贷款，在你逾期六到七期之前，他们根本不可能进行止赎。