USDA Loan Vs. FHA loan pro & con Coto-de-Caza, Orange County, CA

In the year 2025, the USDA loan limit set for Coto-de-Caza, situated in the county of Orange, CA, is $657,900. On the other hand, the FHA loan limit for a single-family property is marked at $822,375. These figures dictate the maximum amount you can borrow for these government-backed loans to finance your home purchase.

Utilize the Lendersa® USDA loan calculator to analyze and compare the most favorable current rates available for USDA against FHA loans. This analysis helps in ascertaining the necessary income, credit history, sufficient reserves, and supporting documents required to qualify effectively. Our cutting-edge mortgage calculator allows you to view USDA, FHA, Conforming, and VA programs together, side by side. This feature aims to assist you in determining which loan program is the most advantageous for your particular financial circumstances, especially if you reside in .

Exploring USDA and FHA Loan Opportunities in Coto-de-Caza, CA

The mission of Lendersa® is to swiftly and seamlessly connect you with the most suitable USDA or FHA financing options. You can choose one of three starting strategies that will connect you with lenders offering USDA loan programs tailored to your needs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in CA

A USDA home loan, which is formally insured by the U.S. Department of Agriculture, is also known as a USDA rural development loan or USDA mortgage. This type of loan is exclusively available in rural areas, aiming to promote agricultural development. In contrast to FHA loans that demand a minimum down payment of 3.5%, USDA loans eliminate the need for any down payment, making it an appealing choice for qualified buyers in rural settings.

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(619) 283-0588 Lender's profile and map Reviews Valley View Home Loans 7171 Alvarado Road, Suite 203, La Mesa, CA, 91942 Valley View Properties we uphold an ongoing commitment to providing an elevated level of personal service. Our clients come first, and as a result, they are able to achieve more than they ever dreamed with their real estate investment Valley View Properties we uphold an ongoing commitment to providing an elevated level of personal service.
(888) 922-2022 Lender's profile and map Reviews Veterans National Mortgage Inc 7484 University Avenue, Suite 220, La Mesa, CA, 91942 We are a different kind of Mortgage company. Large enough to provide all of the technology, efficiency, automated systems and consistency. Small enough to care immensely about our clients. We take pride in providing an experience you can brag about to your friends. We are an independent Mortgage Broker that specializes in VA Loans.
(858) 337-1520 Lender's profile and map Reviews Pacific Home Mortgage Funding, Inc. 4060 30th Street, San Diego, CA, 92104 We specialize in finding the right home loan for each customer. Whether you are a first home buyer or an experienced property investor, we want to exceed your expectations and ensure you are comfortable throughout the home loan process. Pacific Home Mortgage Funding, Inc. is working hard to advise and assist borrowers in obtaining their home loans.
(844) 803-0250 Lender's profile and map Reviews Grander Home Loans, Inc. 3930 Oregon St, Suite 200, San Diego, CA, 92104 Our primary goal is to provide excellent service to our customers.We promptly return phone calls & respond to emails & letters.Throughout the lending process, we provide regular loan updates & progress reports so you always know the status of your loan application.We pride ourselves in delivering the most competitive mortgage rates & product.
(619) 264-5611 Lender's profile and map Reviews Merchants Home Lending 2305 Historic Decatur, Suite 100, San Diego, CA, 92106 Merchants Home Lending opened to serve the active and retired military personnel in the State of California. With 50 combined years of experience, Merchants has assisted over 1800 military families purchase a home. Merchants is a proud sponsor of the Wounded Warriors Project and USO.
(619) 684-2722 Lender's profile and map Reviews Premier Capital Mortgage 2730 Poinsettia Drive, San Diego, CA, 92106 Gail Faber, an award-winning, NMLS licensed mortgage agent and has more than 18 years’ experience in the industry. She exceeds client expectation by providing excellent customer service. Her strong background in escrow and processing makes her unique as she can provide a faster, more efficient, and easier approval process for her clients.
(619) 255-3182 Lender's profile and map Reviews Wenhe Mortgage and Realty 2924 Emerson St, Suite 202, San Diego, CA, 92106 Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
(619) 454-0914 Lender's profile and map Reviews Shelter Island Capital 2915 Canon St., San Diego, CA, 92106 Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
(619) 260-1660 Lender's profile and map Reviews San Diego Funding 2468 Historic Decatur Road, Suite 160, San Diego, CA, 92106 "For over 35 years, San Diego Funding has remained one of San Diego’s most respected and trusted mortgage lenders, serving the lending needs of homebuyers, real estate professionals, and builders. San Diego Funding is a full-service mortgage lender with access to a wide array of loan products to meet every situation. "
866 211 3344 Lender's profile and map Reviews Nationwide Jumbo Construction Loans 422 Rosecrans Street, Suite 14, San Diego, CA, 92106 Nationwide Construction Loans is approved with all of the major banks and Investors As A Consultant. Our 30 plus years of experience and reputation along with our nationwide construction loan volume, has allowed us to develop strong relationships with all of our lenders over the years.
(818) 839-0976 Lender's profile and map Reviews Chasity Lousteau 17337 Ventura Blvd, Suite 300, Encino, CA, 91316 Chasity is a licensed Real Estate Broker and Mortgage Loan Originator based at Huntington Group. She provides residential real estate services to homeowners in the West San Fernando Valley cities of West Hills, Woodland Hills, Topanga, Calabasas, Bell Canyon, Canoga Park, Chatsworth and surrounding areas throughout Los Angeles & Ventura Counties.
(818) 252-8552 Lender's profile and map Reviews California Prime Capital 17412 Ventura Blvd, Suite 131, Encino, CA, 91316 California Prime Capital is a Los Angeles-based private money lender specializing in short-term real estate loans. By providing the fastest and most reliable funding options on the market, we have established ourselves as a key player in the lending sector for real estate investments.