FHA Loans in California
DiVita Home Finance specializes in FHA loans for California homebuyers. FHA loans are government-backed mortgages insured by the Federal Housing Administration, making them one of the most accessible home loan options available — especially for first-time buyers.
What Is an FHA Loan?
An FHA loan requires as little as 3.5% down payment and accepts credit scores as low as 580. Because the federal government insures these loans, lenders can offer more flexible qualifying criteria than conventional mortgages.
FHA Loan Benefits
- Down payments as low as 3.5%
- More flexible credit score requirements
- Competitive interest rates
- Seller can contribute up to 6% toward closing costs
- Available for purchase and refinance
FHA Loan Requirements
To qualify for an FHA loan in California, you generally need a minimum credit score of 580, a debt-to-income ratio under 43%, and the property must be your primary residence. As a licensed California mortgage broker, DiVita Home Finance works with 40+ wholesale FHA lenders to find you the best rate and terms.
Get Your FHA Loan in California
Whether you’re buying in Marin County, the Bay Area, Los Angeles, or anywhere in California, DiVita Home Finance can help you navigate the FHA loan process. Contact us today at (800) 239-1103 or apply online to get started.
Ready to Get Started?
Get pre-approved today or speak with one of our local mortgage experts. No cost, no obligation.
Or call us directly: 800-239-1103 — available 7 days a week.
Related: First-Time Home Buyer California | Down Payment Assistance California | California Mortgage Rates
