An FHA loan can open the door sooner than you think.
Flexible credit and down payment guidelines, backed by federal insurance — from a broker who’s worked South Bay and Inland Empire buyers for years.
Equal Housing Opportunity
Familiar with FHA. Familiar with this market.
FHA loans have their own paperwork rhythm and appraisal standards. We handle them often enough, for buyers across South Bay and the Inland Empire, that there’s rarely a surprise we haven’t seen before.
This program is available for properties located in California only.
Built for buyers who want flexibility.
FHA loans are insured by the Federal Housing Administration and are known for more flexible credit and down-payment guidelines than many conventional programs — which is why they’re a common fit for first-time buyers, buyers rebuilding credit, or anyone who wants a well-established, widely-used loan structure rather than a specialty product.
County loan limits: current figures on request.
FHA sets maximum loan amounts (loan limits) by county, and updates its mortgage insurance premium (MIP) structure periodically at the federal level. Because these figures change and vary by exact county, we don’t publish a single number here that could go stale.
Loan limits and mortgage insurance figures vary by county and change periodically. Contact us for current figures for your specific property location. Equal Housing Opportunity Lender.
FHA and manufactured homes.
FHA’s Title II program can finance manufactured homes classified as real property, including single-wide and multi-wide units, provided the home meets FHA’s foundation, HUD certification, and permanence-of-affixation requirements described on our Purchase page. FHA appraisals for manufactured homes also require confirmation that the HUD data plate and certification labels are present and legible.
What the process generally looks like.
- Confirm the fit. We check whether FHA is actually your best option — not just an assumption.
- Pre-qualify. A clear starting point.
- Documentation and appraisal. FHA has its own requirements; we walk you through them.
- Close. Clear updates the whole way.
General process description only — not a commitment to lend.
FHA loans in California: how the program works
FHA loans in California are mortgages insured by the Federal Housing Administration and originated through an FHA-approved lender. Borrowers often consider FHA loans in California for their more flexible credit and down-payment guidelines relative to many conventional programs, which is why they are a common option for first-time buyers and buyers rebuilding credit. FHA financing includes both an upfront and an annual mortgage insurance premium, and the maximum loan amount is capped by FHA limits that are set by county and updated periodically.
Whether an FHA loan is the right fit depends on the borrower, the property, and the FHA guidelines in effect at the time of application. Nationwide Funding Group Corp is a licensed California mortgage broker (NMLS #98906) and compares FHA loans in California against other programs so buyers can see the trade-offs. This section is general information only and is not a commitment to lend. Equal Housing Opportunity.
Get pre-qualified for an FHA loan.
Rates, programs, and terms are not guaranteed and are subject to borrower qualification and final lender approval. This is not a commitment to lend.
This program is available for properties located in California only.
Nationwide Funding Group Corp, a licensed mortgage lender and mortgage broker | 350 S Crenshaw Blvd, Ste A206A, Torrance, CA 90503 | (310) 961-9750 | NMLS #98906 | CA DRE Corporation License #01801836 (licensed, active, since 2007) | Broker of Record: Alexander J. Gonzalez | NMLS #98329 | CA DRE #01384006 | Equal Housing Opportunity | NMLS Consumer Access → | Licensing & Disclosures | Privacy Policy | Terms of Use | Accessibility Statement | This is not a commitment to lend. All loan programs are subject to borrower qualification, property eligibility, and lender approval, and are not guaranteed.