USDA Vs. FHA your options comparison in Freedom, Santa Cruz County, CA
Within 2025, the USDA loan limit in the city of Freedom, located in the county of Santa Cruz, CA, is $626,500. For FHA loans intended for single-family homes, the limit is $805,000.
Try the Lendersa® USDA loan calculator to effectively weigh today’s best USDA and FHA rates. It helps compute the necessary income, credit, reserves, and documentation required for qualification. Our advanced mortgage calculator offers a comparative view of USDA, FHA, Conforming, and VA, assisting you in choosing the best option available in for your financial situation.
2025 Loan Limits and Downpayment Requirements in Freedom, Santa Cruz, CA
Loan Category
Maximum Loan
Downpayment Required
USDA
$626,500
0%
FHA
$805,000
3.5%
Conventional Conforming
$805,000
3%
USDA and FHA Loan Choices in Freedom, CA
The mission of Lendersa® is to quickly secure the most advantageous USDA or FHA loan, with minimal effort. You can choose among three initial approaches that lead to matching lenders and USDA loan offerings.
A USDA home loan is a government-backed mortgage option, administered by the Department of Agriculture, also known as USDA rural development loan or USDA mortgage, meant exclusively for rural areas. Unlike FHA loans which necessitate a minimum 3.5% downpayment, USDA loans require no downpayment at all.
Founded in 1987, Loanco is a real estate finance company active since the late 1980’s. Our staff is comprised of talented and accomplished individuals. We offer one to four unit residential mortgage loans and commercial real estate loans. We have over 70 years industry experience to put to work for our clients.
455 Los Gatos Blvd. Suite 100, Los Gatos, CA, 95032
Mortgage Brokering and Origination. Victoria Capital Mortgage Company works with over 30 lenders and specializes in purchase, re-finance and reverse mortgage loans. Contact us for excellent service to save money on your home loan. Victoria Capital Mortgage Established in 1998 and We have been servicing home owners in the Silicon Valley since 1998.
Saratoga Capital, Inc. is a privately-held real estate management company on the West Coast offering apartment home residences, amenities and customer service for renters throughout 35 locations. Since 1971, we have been committed to providing our customers with the best possible service—and exceeding expectations every day.
Century Oak Financial Group is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools.
Since 2000 we have specialized in construction loans, lot loans, and vacant land loans in the Western United States. We do single close construction loans for ground-up construction starting with a vacant lot or a tear down, as well as single close construction loans for rehab,remodel and additions.
Nadim Aziz is committed to helping you find the right mortgage product for your needs. I understand that every borrower is different, and I offer a variety of products to meet your individual requirements. I make the process of securing a mortgage simple and straightforward by offering you.
"We transform the way people apply for home loans. We give truly financial mortgage freedom to borrowers like you. You are now able to fully customize home loans in the way you want.
We are always finding innovative ways to empower consumers to get better better real estate goals."
Golden Century Financial Services As a broker and owner of the Golden Century Financial, Sam Kahlil helps clients save 15 years or more on their mortgages – amounting to tens of thousands of dollars saved on interest! Sam is up-to-date on all financial training and continuing education courses required by the industry
3190 S. Bascom Avenue, Suite #110, San Jose, CA, 95124
Established in 1996, American Pacific Mortgage, is known for its customer service and quality loan estate programs. We are an independently owned mortgage banking firm and our teams consist of highly qualified loan consultants and processing staff. If you are wondering where to start, the best place is a phone call.
3190 S. Bascom Avenue, Suite #110, San Jose, CA, 95124
Cedar Mortgage, established in 1981, is an independently owned mortgage brokerage firm, renowned for customer service and quality real estate programs. Our office family consists of qualified loan consultants and processing staff, and our lending portfolio represents one of the most comprehensive program collections in the United States.
236 N. Santa Cruz Ave, Suite 103, Los Gatos, CA, 95030
Direct Mortgage Funding know that each customer has specific needs, so we strive to meet those specific needs with a wide array of products, investment tools, mortgages and best of all quality service and individual attention.Today's technology is providing a more productive environment to work in. For example, through our website.
3005 Silver Creek Road, Suite 214, San Jose, CA, 95121
Pacificwide was created in February 2009 by Leon Le & Stanley Lieu, two successful senior engineers in Silicon Valley. We started with a few agents who had a strong passion for real estate & mortgage, and today Pacificwide has grown into a business with nearly 80 elite agents. We provide outstanding client counseling, education etc.
