FHA Loan Requirements CA

FHA Loans in California

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Basic Eligibility

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Down Payment Rules

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FHA-approved homes must be safe and livable. Inspectors check for hazards, structure, and working utilities. Fixes are required before loan approval.

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Loan Limits in California

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Why Work With Alt Financial

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FHA Loan Requirements CA

FHA Loan Requirements CA

FHA Loans in California

FHA Loans in California

FHA loans help California buyers qualify with lower down payments. They are backed by the Federal Housing Administration. This makes them popular for first-time buyers.

FHA loans help California buyers qualify with lower down payments. They are backed by the Federal Housing Administration. This makes them popular for first-time buyers.

Basic Eligibility

Basic Eligibility

– Minimum credit score: usually 580+

– Minimum credit score: usually 580+

– Must have steady income proof

– Must have steady income proof

– U.S. citizenship or legal residency required

– U.S. citizenship or legal residency required

Down Payment Rules

Down Payment Rules

– As low as 3.5% with credit score 580+

– As low as 3.5% with credit score 580+

– 10% down if credit score is 500–579

– 10% down if credit score is 500–579

– Gift funds are allowed for down payment

– Gift funds are allowed for down payment

FHA-approved homes must be safe and livable. Inspectors check for hazards, structure, and working utilities. Fixes are required before loan approval.

FHA-approved homes must be safe and livable. Inspectors check for hazards, structure, and working utilities. Fixes are required before loan approval.

Property Standards

Property Standards

Loan Limits in California

Loan Limits in California

– Vary by county housing prices

– Vary by county housing prices

– Higher limits in areas like LA and San Francisco

– Higher limits in areas like LA and San Francisco

– Check updated FHA loan limit tables each year

– Check updated FHA loan limit tables each year

Why Work With Alt Financial

Why Work With Alt Financial

At Alt Financial, we simplify FHA loan steps for California buyers. From eligibility to closing, our team helps you meet every requirement. Smooth, stress-free approvals are our goal.

At Alt Financial, we simplify FHA loan steps for California buyers. From eligibility to closing, our team helps you meet every requirement. Smooth, stress-free approvals are our goal.