USDA Loan Vs. FHA loan for Encinitas, CA [ best of 2023]

In 2024, USDA loan limit in Encinitas, county of San Diego, CA is $703,800 while FHA limit is $977,500 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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USDA and FHA loan options in Encinitas, CA

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

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What is USDA Loan in California?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

(315) 471-4621 https://www.syrfirecu.com/ 2316 miles Lender's profile and map Reviews Syracuse Fire Department Credit Union 211 Wilkinson Street, Syracuse, NY, 13204 The Syracuse Fire Department Credit Union was chartered on March 24, 1950. Since that day, we have proudly served professional firefighters in Syracuse and surrounding communities. Today, our membership primarily consists of profesional firefighters, police officers, emergency responders and other small businesses from around Central New York.
(315) 477-2200 https://www.empowerfcu.com/ 2316 miles Lender's profile and map Reviews Empower Federal Credit Union 515 Erie Blvd W, Syracuse, NY, 13204 Empower Federal Credit Union is a full-service financial institution that provides savings, loan, and transaction services to members in Central New York, and in eight counties in New York State. Main offices are located in Syracuse NY. As a credit union, Empower is a financial cooperative and is not-for-profit. For information go to www.empowerfcu
(315) 654-2115 https://www.citizensbankofcapevincent.com/ 2316 miles Lender's profile and map Reviews Citizens Bank of Cape Vincent 154 Broadway St, Cape Vincent, NY, 13618 Citizens Bank of Cape Vincent has been a part of the local community for almost 100 years. We have now grown to 3 locations, serving over 7200 customers throughout the local communities. We provide various products including checking and savings accounts, mortgage loans, automobile loans, certificates of deposit, safe deposit boxes, and more.
(410) 827-8881 https://www.queenstownbank.com/ 2316 miles Lender's profile and map Reviews The Queenstown Bank of Maryland 7101 Main Street, Queenstown, MD, 21658 Queenstown Bank has been committed to reaching out within our local communities to do all we can to further the area's overall economic development. As a community partner, we make charitable contributions for education, culture and the arts, social service agencies, charitable activities, community and economic development,
(757) 398-2384 https://shrfcu.com/ 2316 miles Lender's profile and map Reviews Summit Hampton Roads Federal Credit Union 3636 High Street, Portsmouth, VA, 23707 Summit Hampton Roads Federal Credit Union has been open since 1970. The credit union has assets totaling $10.32 Million and provides banking services to more than 2, 000 members. The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups, but primarily serves health care employees.
(315) 671-4000 https://moneyfcu.org/ 2317 miles Lender's profile and map Reviews Money Federal Credit Union 100 Madison Street, Syracuse, NY, 13202 Mutual of New York Life Insurance Company (MONY) employees founded Money Federal Credit Union in 1976. Credit unions were built on the philosophy of “people helping people.” Money FCU takes that mission statement to the core of how we run our business. It’s about people, community, and sharing resources
(866) 870-2612 http://www.mhdempire.com/ 2317 miles Lender's profile and map Reviews MHD Empire Service Corp. 300 South State St, Suite 1000, Syracuse, NY, 13202 At MHD Empire Service Corp. We are a sister company of Haylor, Freyer & Coon, one of the largest independent insurance agencies in the Northeast. Founded in 1983, MHD Empire Service Corp. was established to assist retailers, community owners and individuals in securing quality financing and insurance for
(315) 314-1075 http://www.cnymortgagebankers.com/contact-us/ 2317 miles Lender's profile and map Reviews CNY MBA, Inc. 120 Madison St, 18th Fl, Syracuse, NY, 13202 The Central New York Mortgage Bankers Association is gearing up for our upcoming year. Whether you are a mortgage banker, mortgage broker, appraiser, attorney, credit professional, homebuilder, home inspector, insurance agent, realtor or title insurer, a CNY MBA membership offers you a forum for business and social exchange.
(757) 487-3474 https://www.nstarcu.org/ 2317 miles Lender's profile and map Reviews Northern Star Credit Union 5100 George Washington Highway, Portsmouth, VA, 23702 We have been in business since before Tidewater was Hampton Roads and rebranded into #the757 of Coastal Virginia. We have survived recessions, depressions, and natural disasters and will continue to serve you in years to come. Northern Star CU is located in Portsmouth, Virginia. 5100 George Washington Highway, Portsmouth, VA 23702.
(757) 399-5121 https://www.ebla-va.com/ 2317 miles Lender's profile and map Reviews Elizabeth Building & Loan Association 519 Washington Street, Portsmouth, VA, 23704 In 1912 the founding members formed a mutual association named Elizabeth Building & Loan. Collectively the members put in their own funding to provide resources for lending. EB&L offers an alternative lending opportunity for first time home owners, repeat borrowers and investors.
(800) 242-2120 https://www.visionsfcu.org/ 2318 miles Lender's profile and map Reviews Visions Federal Credit Union 24 McKinley Avenue, Endicott, NY, 13760 At Visions, we condemn racism, violence, discrimination, and hatred toward any person or persons. It is in our foundation as a credit union to accept and serve all members equally, regardless of their race, social status, or financial position This spirit of inclusion extends to our homes and our employees, too.