You don’t need perfect credit or a big down payment to buy a home. FHA loans in California make homeownership accessible especially if you’re a first-time buyer.
We believe everyone deserves a fair shot at homeownership.
FHA loans in California are mortgages insured by the Federal Housing Administration (FHA), helping people with lower credit scores or limited savings qualify for financing. They’re popular with first-time homebuyers but are open to anyone who meets the eligibility requirements.
Low down payment options (as low as 3.5%)
Flexible credit requirements
Government-backed protection for lenders
Competitive interest rates
Available for purchase, refinance, or renovation
FHA loans are ideal for borrowers who:
Have a credit score of 580+ (with 3.5% down)
Have a credit score between 500–579 (with 10% down)
Plan to use the home as their primary residence
Can meet standard debt-to-income guidelines
We’ll help walk you through the eligibility steps including what documentation you need and how to improve your qualification profile.
FHA loans aren’t one-size-fits-all. Choose the option that fits your needs:
203(b) Basic Home Mortgage: For purchasing or refinancing a primary residence
203(k) Rehabilitation Mortgage: Buy and renovate with one loan
HECM: Reverse mortgage option for seniors age 62+
EEM: Add energy-efficient upgrades to your home
All FHA loans require mortgage insurance premiums (MIP):
An upfront MIP (usually 1.75% of loan amount)
Annual MIP, paid monthly
This protects the lender but adds to your monthly cost. We’ll help you compare your options and understand what works best for your budget.
Get pre-qualified based on your credit and income
Shop for your home with confidence
Finalize your FHA loan with our expert support
We simplify the process and advocate for you every step of the way.
FHA loans are designed to give homebuyers more flexibility, especially if you’re early in your financial journey. If your credit score isn’t perfect or you’re working with a limited down payment, you still have options. Many borrowers are surprised to learn they can qualify with as little as 3.5% down and a credit score of 580 or above. If your score falls between 500 and 579, you may still qualify by putting 10% down.
Another smart tip is to be prepared for the costs that come with mortgage insurance. FHA loans require both an upfront mortgage insurance premium and monthly payments that continue for the life of the loan, in most cases. It’s important to factor these into your total monthly housing cost. At CLG, we walk you through these numbers clearly, so you can make informed decisions without confusion or surprises.
We believe in helping you understand every detail before you sign.
Your dream of homeownership doesn’t need to wait. With an FHA loan and the right support, you can take that next step with confidence.
