FHA Vs. USDA loan program for Goleta, Santa Barbara County, California

In 2025, USDA loan limit in Goleta, county of Santa Barbara, CA is $626,500 while FHA limit is $805,000 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 Goleta, 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.

(844) 320-2727 Lender's profile and map Reviews ASAP-Funding, Inc. 1008 West Avenue, Suite A-D180, Palmdale, CA, 93551 ASAP Funding was created to bring to market loan products specially tailored for investors and individuals looking for better funding solutions. Our founders are experts in residential real estate. Collectively, they have originated over $720 million in loans before joining forces to create ASAP-Funding.
(661) 951-1143 Lender's profile and map Reviews TrueDirection Lending 1113 W Ave M-4, Suite F, Palmdale, CA, 93551 We pride ourselves on exceeding our customer's expectations in finding the most competitive rates, service, and options for a home loan that's right for you. Whether you want the lowest rate possible, a large amount of guidance, or a more complex financing package, we realize you are unique
(661) 949-2002 Lender's profile and map Reviews MMC Lending 1008 West Avenue M-4, Suite H, Palmdale, CA, 93551 At MMC Lending® we believe that stable living helps build strong communities and it's a privilege to be a part of that process. It's our objective to assist clients in securing the most important investment of their lives by taking each step with them through the loan transaction.
(661) 949-6681 Lender's profile and map Reviews All American Financial Services 530 Commerce Avenue, Suite B, Palmdale, CA, 93551 ll American Financial Services was started in 1990 with the vision and foresight of Slade Lohman, Real Estate Broker (California Bureau of Real Estate BRE #01134557, NMLS #276140). After observing the unethical behaviors of different lenders, Slade had a burning desire to make a difference in the industry.
(818) 322-0444 Lender's profile and map Reviews Regal Equity Source Inc 1545 Victory Boulevard, Suite 101, Glendale, CA, 91201 Regal Equity Source, Inc, our professional mortgage consultants can help you find the right mortgage tailored for you. We recognize that mortgages are not a one size fits all type of product as everyone has different needs and goals in life. The array of mortgage products that we offer allows us to help you put you on the right pathway.
(877) 300-1001 Lender's profile and map Reviews Fidelity Funding Loans 6618 San Fernando Road, Unit 209, Glendale, CA, 91201 Fidelity Funding Loans we understand that you are making one of the most important financial decisions and commitments of your life and we will guide you along the way to find the best product with the lowest rate tailored to your specific need. Whether you’re purchasing your first home, investing in a vacation home, buying an investment property.
(800) 704-3880 Lender's profile and map Reviews LUXE Realty Inc 3926 S. Norton Avenue, Los Angeles, CA, 90008 At LUXE Home Finance. We are a full-service mortgage company based in Los Angeles, CA. We specialize in First Time Buyer Home Loans, Refinancing and VA Loans in Los Angeles and the surrounding cities throughout Los Angeles County, Ventura, San Bernardino and Riverside County. Whether you are buying a home or refinancing in any
(323) 810-3436 Lender's profile and map Reviews Lisa Carr & Associates 3847 South Crenshaw Boulevard, Los Angeles, CA, 90008 LISA CARR & ASSOCIATES is located in Los Angeles, CA, United States and is part of the Offices of Real Estate Agents and Brokers Industry. LISA CARR & ASSOCIATES has 5 total employees across all of its locations and generates $235, 701 in sales (USD). With over thirty years of experience in the financial industry
(877) 254-9328 Lender's profile and map Reviews UNIFY Financial Credit Union PO Box 10018, Manhattan Beach, CA, 90267 we’re UNIFY Financial Credit Union and we’re all about YOU. YOU put the “U” in UNIFY. YOU are our member. YOU can be anywhere in the United States, and our goal remains the same – to connect YOU to a better banking experience. YOU are at the heart of our decision-making, so it’s no wonder our commitment to YOU is providing access.
(844) 918-1886 Lender's profile and map Reviews Mbanc 1141 Highland Avenue, Suite C, Manhattan Beach, CA, 90266 We are Innovators. Leveraging Technology for Success. Through innovative technology solutions, we strive to make the lending process more efficient, dynamic, and successful. With a combined experience of over 100 years, we bring to you confidence you can Bank on. Wisdom built on experience and innovation born through never ending
(800) 854-9846 Lender's profile and map Reviews Kinecta Corporation 1440 Rosecrans Ave, Manhattan Beach, CA, 90266 Kinecta is banking done different. While the journey to success isn’t always a straight line, having the right financial partner by your side can make all the difference. We’re excited to be the partner who helps you achieve your goals and dreams, and we’re committed to sticking by you, every step of the way.
(888) 883-0123 Lender's profile and map Reviews CR Funding Inc. 30 Cayman Court, Manhattan Beach, CA, 90266 Our goal is to be the lender of choice for existing homeowners and for those who are just beginning their homeownership journey. Operating on sound principles, ethics, transparency, and an unwavering commitment to customer service we will earn your business today and in years to come.