THE FHA IN CALIFORNIA

FHA loans have been helping California residents since 1934 

 

A licensed California FHA Lender can offer you a better loan including:

Low down payments (if any)

24 Hour Pre-Approval

Low closing costs

Easier credit qualifying

48 hour Streamline Refinancing


 


California First Time Home Buyer Loan

This FHA loan program was created to help increase homeownership. The FHA program makes buying a home easier and less expensive than any other types of real estate mortgage home loan programs.

Buy a home in California with  help from a Family Member

When buying a home, almost every lender will want to know where your down payment came from. If someone in your family is helping you with that down payment, it is called a Gift of Equity, a special FHA loan program.

California FHA Refinance to a Lower Rate

Lowering your monthly mortgage payment is easier than ever as mortgage interest rates continue to set new record lows almost every week for more than two month.  

California FHA Debt Consolidation

An FHA Debt Consolidation Loan can change your life, and we can connect you to an FHA Home Lending expert to talk over your financial situation so you’re not left to figure out everything completely on your own.  

 

California FHA Home Loan

How it works:

 

√    Determine the type of FHA Government Loan that best fits your needs.

 

√       Complete an easy 2 minute application form.

 

√    We will forward your application to one and only one  FHA Approved Lender who can best help you based upon:

 

  • The type of loan you requested

  • Your down-payment (if purchase loan)

  • The location (State) your property is located

  • Your credit history

  • The best rate available for your loan

 

√    An FHA Loan Specialist will respond within 1 business day. They will explain what type of loan you are approved for, and the options available to you. 

 

√    Immediately that same day, the FHA Lender will overnight your pre-approval letter to you.

 

√    Review with no obligations your FHA Loan Pre-approval and locked rate. 

 

Note- It is very important that you keep this letter. It is your official pre-approval on bank letterhead with your 'locked rate', and if purchasing a house, it is equally important that you present this letter to the real estate agent to confirm your pre-qualification status.              

California FHA Lending Limits 2017

California  Median Home Sale Price Price $420,000

 

County NameSingleDuplex3 Unit4 Unit
ALAMEDA$636,150$814,500$984,525$1,223,475
   SAN FRANCISCO-OAKLAND-HAYWARD, CA
ALPINE$463,450$593,300$717,150$891,250
AMADOR$332,350$425,450$514,300$639,150
BUTTE$293,250$375,400$453,750$563,950
   CHICO, CA
CALAVERAS$373,750$478,450$578,350$718,750
COLUSA$275,665$352,950$426,625$530,150
CONTRA COSTA$636,150$814,500$984,525$1,223,475
   SAN FRANCISCO-OAKLAND-HAYWARD, CA
DEL NORTE$275,665$352,950$426,625$530,150
   CRESCENT CITY, CA
EL DORADO$488,750$625,700$756,300$939,900
   SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA
FRESNO$281,750$360,700$436,000$541,800
   FRESNO, CA
GLENN$275,665$352,950$426,625$530,150
   NON-METRO
HUMBOLDT$327,750$419,550$507,150$630,300
   EUREKA-ARCATA-FORTUNA, CA
IMPERIAL$275,665$352,950 $426,625$530,150
   EL CENTRO, CA
INYO$369,150 $472,550$571,250$709,900
KERN$275,665 $352,950$426,625$530,150
   BAKERSFIELD, CA
KINGS $275,665$352,950$426,625$530,150
   HANFORD-CORCORAN, CA
LAKE$275,665$352,950$426,625$530,150
   CLEARLAKE, CA
LASSEN$275,665$352,950$426,625$530,150
   SUSANVILLE, CA
LOS ANGELES$636,150$814,500$984,525$1,223,475
   LOS ANGELES-LONG BEACH-ANAHEIM, CA
MADERA$275,665$352,950$426,625$530,150
   MADERA, CA
MARIN$636,150$814,500$984,525$1,223,475
   SAN FRANCISCO-OAKLAND-HAYWARD, CA
MARIPOSA$322,000$412,200$498,250$619,250
MENDOCINO$373,750$478,450$578,350$718,750
   UKIAH, CA
MERCED$275,665$352,950$426,625$530,150
   MERCED, CA
MODOC$275,665$352,950$426,625$530,150
MONO$529,000$677,200$818,600$1,017,300
MONTEREY$575,000$736,100$889,800$1,105,800
   SALINAS, CA
NAPA$636,150$814,500$984,525$1,223,475
   NAPA, CA
NEVADA$477,250$610,950$738,500$917,800
   TRUCKEE-GRASS VALLEY, CA
ORANGE$636,150$814,500$984,525$1,223,475
   LOS ANGELES-LONG BEACH-ANAHEIM, CA
PLACER $488,750$625,700$756,300$939,900
   SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA
PLUMAS$336,950$431,350$521,400$648,000
RIVERSIDE$379,500$485,800$587,250$729,800
   RIVERSIDE-SAN BERNARDINO-ONTARIO, CA
SACRAMENTO$488,750$625,700$756,300$939,900
   SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA
SAN BENITO$636,150$814,500$984,525$1,223,475
   SAN JOSE-SUNNYVALE-SANTA CLARA, CA
SAN BERNARDINO$379,500$485,800 $587,250$729,800
   RIVERSIDE-SAN BERNARDINO-ONTARIO, CA
SAN DIEGO$612,950$784,700$948,500$1,178,750
   SAN DIEGO-CARLSBAD, CA
SAN FRANCISCO$636,150$814,500$984,525$1,223,475
   SAN FRANCISCO-OAKLAND-HAYWARD, CA
SAN JOAQUIN$362,250$463,750$560,550$696,650
   STOCKTON-LODI, CA
SAN LUIS OBISPO$586,500$750,800$907,550$1,127,900
   SAN LUIS OBISPO-PASO ROBLES-ARROYO GRAN
SAN MATEO$636,150$814,500$984,525$1,223,475
   SAN FRANCISCO-OAKLAND-HAYWARD, CA
SANTA BARBARA$636,150$814,500$984,525$1,223,475
   SANTA MARIA-SANTA BARBARA, CA
SANTA CLARA$636,150 $814,500$984,525$1,223,475
   SAN JOSE-SUNNYVALE-SANTA CLARA, CA
SANTA CRUZ$636,150$814,500$984,525$1,223,475
   SANTA CRUZ-WATSONVILLE, CA
SHASTA$275,665$352,950$426,625$530,150
   REDDING, CA
SIERRA$304,750$390,100$471,550$586,050
SISKIYOU$275,665$352,950$426,625$530,150
   NON-METRO
SOLANO$431,250$552,050$667,350$829,350
   VALLEJO-FAIRFIELD, CA
SONOMA$595,700$762,600$921,800$1,145,600
   SANTA ROSA, CA
STANISLAUS$299,000$382,750$462,650$575,000
   MODESTO, CA
SUTTER$276,000$353,300$427,100$530,750
   YUBA CITY, CA
TEHAMA$275,665$352,950$426,625$530,150
   RED BLUFF, CA
TRINITY$275,665$352,950$426,625$530,150
TULARE$275,665$352,950$426,625$530,150
   VISALIA-PORTERVILLE, CA
TUOLUMNE$331,200$424,000$512,500$636,900
   SONORA, CA
VENTURA$636,150$814,500$984,525 $1,223,475
   OXNARD-THOUSAND OAKS-VENTURA, CA
YOLO$488,750$625,700$756,300$939,900
   SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA
YUBA$276,000$353,300$427,100$530,750
   YUBA CITY, CA