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A sunny California home with a 'For Sale' sign in the front yard, conveying the dream of h

 FHA Home Loans
in California

Low down payments and flexible credit make

FHA loans a top choice for first-time buyers.

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What is a FHA Loan?

FHA loans are government-backed mortgages designed to make homeownership more accessible, especially for first-time buyers or those with less-than-perfect credit. Backed by the Federal Housing Administration, FHA loans provide flexibility in both down payment requirements and credit qualifications.

Low Down Payments

Buy a home with as little as 3.5% down.

Flexible Credit Requirements

Qualify even if your credit isn't perfect.

Compettitive

Interest Rates

FHA rates are often favorable for first-time buyers.

Assumable Loans

Future buyers may be able to assume your FHA loan, which can help in selling your home.

Gift Funds Allowed

FHA allows down payments to be funded by family gifts, empoyer assistance, or grants

Higher Debt-to-Income (DTI) Allowance

FHA programs typically allow higher DTI ratios than conventional, which helps buyers qualify even with student loans, car payments, or other debts.

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FHA Loans -
Commonly Asked Questions

  • What is a conventional loan?
    A conventional loan is the most common type of mortgage in California. Unlike FHA or VA loans, it’s not backed by the government. That gives you more flexibility in down payments, loan terms, and property types.
  • How much do I need for a down payment?
    First-time homebuyers may qualify with as little as 3% down when they are purchasing a home in California. Many buyers choose 5–20% to lower their monthly payment.
  • Do I need a perfect credit score?
    No. Conventional loans usually start at 620 FICO. The better your score, the more likely you’ll qualify for lower interest rates.
  • Do I have to pay mortgage insurance?
    Only if you put less than 20% down. The good news is that private mortgage insurance (PMI) can be removed once you build *20% equity. *Most servicers will require closer to 78% equity.
  • How long does it take to close?
    With today’s digital process, many conventional loans can close in as little as 2–3 weeks.
  • Can I buy a rental or vacation home with a conventional loan?
    Yes! Conventional loans work for primary homes, second homes, and investment properties.
  • Are conventional loans better than FHA or VA?
    It depends. FHA and VA loans are great for certain buyers, but conventional loans offer flexibility, no upfront funding fees, and the ability to drop PMI. We’ll help compare all your options.
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