FHA

FHA loans are one of the most flexible ways to buy a home in the Temecula Valley and greater Inland Empire, especially if your credit is still rebuilding or your savings are limited. You can put as little as 3.5% down with a 580 credit score (10% down from 500–579), and gift funds from family can help. FHA does carry upfront and annual mortgage insurance, so I always compare it side by side with conventional options before you decide. The articles below cover qualifying, property requirements, refinancing an FHA loan, and pairing FHA with down payment assistance. When you’re ready to see your numbers, visit my FHA Home Loans page.