FHA Loans

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FHA Loans

Federal Housing Administration (FHA) Home Loans

California FHA loans are ideal for a number of different groups of people. If you have a low credit score, for example, an FHA mortgage can be a great option. With an FHA loan, you can get approved with a credit score as low as 500. That said, your interest rate and down payment will be affected by your credit history. Additionally, FHA loans usually have a smaller down payment than other types of loans.


If you are looking to purchase or build a home, an FHA loan could be the right choice for you. You may be wondering if you can use an FHA mortgage to finance the construction of your new home. The answer is yes, you can! FHA loans are insured by the Federal Housing Administration and are available to purchase both existing homes and new construction. One advantage of using an FHA mortgage for new construction is that you only need a 3.5% down payment. In addition, the maximum loan amount is based on the estimated value of the finished home rather than the current value of the land. This can be beneficial if you are building in an area with rapidly increasing property values.