FHA Home Loans in Southern California
Buy with as little as 3.5% down and flexible credit guidelines. A proven path to homeownership for first-time and repeat buyers.
- 30+ years of experience
- Same-day approvals available
- First-time buyers welcome
What Is an FHA Loan?
An FHA loan is a mortgage insured by the Federal Housing Administration. That backing lets lenders approve buyers with smaller down payments and less-than-perfect credit.
It’s a great fit if you’re buying your first home, rebuilding credit, or getting help with your down payment from family.
Why Choose an FHA Loan?
Easier to qualify for, with less cash needed to get the keys.
Just 3.5% Down
One of the lowest down payments available without military service.
Gift Funds Welcome
Family members can cover your entire down payment.
Flexible Credit
Scores from 580 qualify, with shorter waits after past credit problems.
More Room for Debt
Higher debt-to-income limits for car, student loan, and card payments.
Assumable Loan
A future buyer can take over your rate when you sell.
Buy Up to 4 Units
Live in one unit and let rent from the others help pay the mortgage.
Do You Qualify?
FHA guidelines are built to say yes to more buyers. Here’s what you’ll need:
- Credit score of 580 or higher (500 with 10% down)
- Down payment of 3.5%, which can be a gift
- Two years of steady income
- A home you’ll live in as your primary residence
- A property that meets FHA safety and condition standards
Find Out What You Qualify For
Get a free pre-approval, often the same day. No obligation.
Prefer email? Send us a messageFHA Loan Questions
How much do I need to put down?
3.5% with a credit score of 580 or higher, or 10% with a score between 500 and 579. A gift from family can cover it.
How does FHA mortgage insurance work?
There’s an upfront premium of 1.75% of the loan, usually added to the loan amount, plus a yearly premium paid monthly. With less than 10% down, it lasts for the life of the loan. Many owners later refinance into a conventional loan to drop it.
Can I get an FHA loan after bankruptcy or foreclosure?
Often, yes. The usual wait is 2 years after a Chapter 7 bankruptcy and 3 years after a foreclosure, which is shorter than for conventional loans.
Is FHA only for first-time buyers?
No. Anyone buying a home to live in can use an FHA loan, including repeat buyers.
How large a loan can I get?
FHA sets loan limits by county, and they’re higher in much of Southern California. See our county loan limits.
Can I refinance an FHA loan?
Yes. An FHA Streamline Refinance can lower your rate with less paperwork and often no appraisal. Cash-out refinancing is also available.
Run the Numbers First
See what you can afford and how owning compares with renting.
Get Pre-Approved in 3 Simple Steps
Tell Us Your Goals
Apply online in minutes or give us a call.
We Compare Your Options
We review your finances and find the best loan for you.
Get Your Pre-Approval
Shop for homes and make offers with confidence.