USDA Loan Vs. FHA loan pro & con for Golden-Hills, Kern County, CA

In 2025, USDA loan limit in Golden-Hills, county of Kern, CA is $291,100 while FHA limit is $356,362 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 Golden-Hills, 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.

(801) 400-1001 513 miles Lender's profile and map Reviews Secure Private Funding 51 West Center Street, Suite 507, Orem, UT, 84057 Secure Private Funding will help you receive cash back on your free and clear rental properties and assist you with your investment real estate purchases. We will not check your credit score or look at your monthly income for you to qualify for our loans. You will increase your working capital to better take advantage.
(801) 225-0256 513 miles Lender's profile and map Reviews Alpine Credit Union 1510 N State St, Orem, UT, 84057 Alpine Credit Union customize a home loan to fit your specific needs. We can provide you with several financing options. These options all provide you with a competitive rate, low closing costs, and fast approval/funding. Benefits of using Alpine Credit Union’s Mortgage Department.
(801) 916-3233 513 miles Lender's profile and map Reviews Empire Mortgage and Investment, L.C 927 W. Center St, Orem, UT, 84057 Empire Mortgage and Investment, L.C have been serving Utah home and investment property owners since 1998 and have a wealth of experience to counsel you through the lending process. As a broker, we contract with different wholesale lenders to help you obtain the best mortgage terms possible.
(801) 226-7456 513 miles Lender's profile and map Reviews FIRST COLONY MORTGAGE CORPORATION 508 W 800 N, Orem, UT, 84057 First Colony Mortgage Corporation is a full service mortgage banking company serving Utah, Colorado, Idaho, Arizona, Oregon, and Wyoming. First Colony was founded in 1984 by John M. Aldrich and Scott Shelley. Most mortgages are processed, underwritten and closed in house. Since inception First Colony has funded over 50,000 mortgages.
(801) 505-2567 513 miles Lender's profile and map Reviews New Point Lending 3731 W South Jordan Pkwy, Suite 102-122, South Jordan, UT, 84009 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.
(801) 722-1047 513 miles Lender's profile and map Reviews First Capital Commercial 472 West 50 North, American Fork, UT, 84003 First Capital Commercial is a commercial real estate lender that is invested in your success. Since 2002, our exceptional loan options have empowered both local companies and robust franchises. First Capital Commercial is here to assist you when your company needs that extra financial boost to achieve your dreams and goals. First Capital is happy t
(801) 434-7337 513 miles Lender's profile and map Reviews Velocity Home Loans 321 North County Blvd, Suite B, American Fork, UT, 84003 Each of the individuals on our team has over 20 years’ experience in the mortgage industry. The Velocity Home Loans team is proud to lead the marketplace with our commitment to the highest standards of excellence, going above and beyond to fulfill the promises we make to our clients and partners
(888) 690-1744 513 miles Lender's profile and map Reviews Simplify Home Loans, LLC 1261 South 820 East, Suite 200, American Fork, UT, 84003 Simplify Home Loans LLC is made up of a team of professionals who are dedicated to one vision: making the home loan process easy and convenient for everyone who is taking such an important step in their lives. Loans and refinancing can be complicated, and we are here to take the stress out of those processes for you.
(801) 341-9590 513 miles Lender's profile and map Reviews TOTAL FINANCIAL HEALTH 12 W 100 N, Suite 202-D, American Fork, UT, 84003 Total Financial Health Having over 16 years of experience with all kinds of mortgages allows you to have an advantage over other mortgage lenders. We've seen and done it all in the mortgage world. We are a WHOLESALE MORTGAGE BROKER. To look us up, you can find our company Total Financial Health, LLC on the National Mortgage Licensing System.
(801) 373-4700 513 miles Lender's profile and map Reviews Sterling Capital Inc 376 E 60 S, Suite B, American Fork, UT, 84003 Sterling Capital Inc., our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family.
(801) 599-9060 515 miles Lender's profile and map Reviews Preferred Mortgage Inc 1145 South 800 East, Suite 101, Orem, UT, 84097 Lana Lesser is the owner / broker of Preferred Mortgage. She has been doing loans with Preferred Mortgage for 23 years, with an office located in Orem. Lana really prides herself on being able to establish a personal relationship during the loan process. She really enjoys the return clients, referrals and friendships this creates