FHA Home Loans

Great Option for 1st time Buyers

California FHA Home Mortgages

Are you a 1st time home buyer? FHA home loans are a great option for first time home buyers and might be just what you need. Your down payment can be as low as 3.5% of the purchase price, and most of your closing costs and fees can be covered through seller allowed concessions. Call us today or complete the quick contact form on the right side of this page to visit with a California FHA home loan consultant to help educate you and walk you through the loan process. If you are ready to begin the process simply click the apply now to complete the mortgage application.
It is easier to qualify for an FHA loan in many cases. This is because HUD which oversees FHA has less strict guidelines when it comes to a customer with credit problems, such as bankruptcy, foreclosure etc. Because of these benefits a FHA home mortgage can be the best choice for first time buyers.

California FHA Home Mortgages


FHA is an abbreviation for the Federal Housing Administration. Congress created the FHA in 1934 to make it easier for home buyers to get home loans. They do this by insuring mortgages for single family and multifamily homes. FHA mortgage insurance provides lenders with protection against a loss if a FHA homeowner defaults on a loan. Loans must meet requirements established by the FHA to qualify for this insurance. FHA and HUD have insured over 34 million homes since 1934. They are the largest insurer of mortgages in the world. Call today or apply online!

Are you a US Veteran?  A California VA Home Loan might be right for you.

FHA Loans  if your home is a higher loan amount then a California Jumbo Loan might be your best option

Apply for Your FHA Home Loan Today!


What are California FHA Home Loan Requirements?

In order to ensure that you meet the minimum FHA home loan requirements for California, you need to consider the following factors.

*Are you over the age of 18?

*Do you have a valid Social Security number and lawful residency in the United States?

*Do you have a steady employment history? If not, have you at least worked for the same employer for the past two years?

*Can you afford the minimum down payment of 3.5% or 10% (depending on credit score)?
Do you have a credit score above 580?

*Have you been out of bankruptcy for at least the past two years? (If the answer is no, there may still be exceptions that can be made on a case-by-case basis).

*Will this home be your primary residence?

You’ll need to be able to answer all of these questions with a ‘YES’ in order to meet FHA home loan requirements.

Have Questions about FHA mortgages? Speak with a California FHA Home Loan Specialist!

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