FHA Loans for California Home Buyers

3.5% down payment. Flexible credit. Government-backed loans that help more buyers get into a California home.

3.5% down payment with 580+ credit score
More flexible qualifying standards than conventional loans
Gift funds allowed for down payment and closing costs
No credit impact Free, no obligationNMLS #2787839CA DRE #01212512

Check Your FHA Loan Options

No credit impact. Free, no obligation.

What type of loan do you need?

Start with the closest match. You can adjust details later.

FHA Loan Requirements

580+ credit score for 3.5% down; 500-579 requires 10% down
Debt-to-income ratio typically 43% or below (exceptions exist)
Primary residence only — not for investment properties
FHA-approved property required (most single-family homes qualify)
Upfront MIP of 1.75% + annual MIP (varies by term and LTV)
Two years of employment history preferred

Not sure if you qualify? Call 888-421-1117 — we'll review your situation at no cost.

Understanding FHA Mortgage Insurance (MIP)

All FHA loans carry mortgage insurance — this is how the government backs the loan and allows lenders to offer more flexible terms. There are two components:

Upfront MIP

1.75%

Of the loan amount — typically rolled into the loan balance, not paid out of pocket.

Annual MIP

0.45–1.05%

Paid monthly. Rate depends on loan term, LTV, and loan amount. With <10% down, MIP stays for the life of the loan.

If you put 10% or more down, FHA MIP automatically cancels after 11 years. Many buyers refinance into a conventional loan once they reach 20% equity to eliminate MIP entirely.

Frequently Asked Questions

Get into your California home with 3.5% down

FHA loans open the door to homeownership for buyers across California. Let's find the right lender for your situation.

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