3.5% down · 580 credit
FHA Loans
The workhorse for first-time California buyers. Lower credit, smaller down payment, and we check you for California down-payment assistance.
- Down payment as low as 3.5%
- Credit scores starting at 580
- Gift funds allowed from family
- We screen CalHFA & local assistance
- Primary residences, 1–4 units
Payment studio
What would this home cost each month?
Tap a percent to play with it. Payment updates live.
This is an estimate only — not a Loan Estimate or a locked quote. Taxes assume 1.1% (typical Southern California). Insurance 0.35%. Rate defaults to this week's Freddie Mac 30-year average — edit it to test a payment. Your actual rate depends on credit, occupancy, and property.
Estimated monthly · estimate
$5,664
- Principal & interest
- $4,472
- Est. property tax
- $665
- Est. insurance
- $211
- PMI / MIP
- $316
Ready when you are.
Pre-qualify online, book 30 minutes with Josue, or call the desk. Evenings by appointment.
Prefer text? (951) 227-1173