USDA Vs. FHA your options comparison in Grand-Terrace, San Bernardino County, CA
In 2025, the USDA loan threshold in Grand-Terrace, within San Bernardino county, CA is set at $381,800, while the FHA threshold for a single-family property is $477,250.
With the Lendersa® USDA loan calculator, you can evaluate today's top USDA and FHA interest rates, identifying the income, credit, reserves, and documentation necessary for eligibility. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA options alongside one another, helping you decide the best program in according to your financial needs.
Loan Limits and Down Payment Requirements for 2025 in Grand-Terrace, San Bernardino, CA
Type of Loan
Loan Limit
Down Payment
USDA
$381,800
0%
FHA
$477,250
3.5%
Conventional Conforming
$548,250
3%
Available USDA and FHA Loan Options in Grand-Terrace, CA
The primary aim of Lendersa® is to facilitate quick and hassle-free access to the most favorable USDA or FHA loan. You can initiate the process by selecting one of three available paths, which connect you with compatible lenders and USDA loan programs.
A USDA home loan, backed by the U.S. Department of Agriculture and known as a USDA Rural Development Loan or Mortgage, is available exclusively in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA loans do not require a down payment, making them a favorable option for qualified rural borrowers.
Sun Community Federal Credit Union was organized on March 9, 1954, as the Imperial Valley U.S. Employees Federal Credit Union, with ten charter members. Over the years, the field of membership was enlarged. In January 1968, the name was changed to Government Agencies Federal Credit Union.
First Imperial Credit Union is a credit union located in Imperial County, California who has a mission to deliver quality, affordable financial services with an exceptional member-focused experience. As a not-for-profit financial instituion, FICU gives back to its membership in the way of lower loan rates
395 Broadway Avenue, Suite 5, El Centro, CA, 92243
IV Alliance Mortgage and real Estate our team of professionals will make it easy for you to apply for a loan. Give us a call and speak with one of our representatives. Within a day or two, we’ll be able to give you personalized rate information and a solution tailored to your specific needs.
Mr. Mortgage INC is guided by our adherence to the important values and unique features we offer clients. They are essential, considered to be the DNA of our company. We are trained professionals who take responsibility for delivering excellence as individuals and as team. We focus solely on client’s satisfaction and first impression.
The team here at Community Valley Bank strives to provide the best service possible to our customers. Come visit with one of our team members to see if we can provide your needs for you! At Community Valley Bank, we understand the personal nature of your financial decisions. We offer a complete menu of deposit, lending, and investment products.
5001 California Ave, Suite 218, Baskersfield, CA, 93309
Dream House Lending is the place for you. We make it easy and fast to get pre-approved for your loan. You can apply online or over the phone in just minutes, so there’s no reason not to! Plus, we have a network of lenders that are ready to help you.
Our lenders will work with you every step of the way – from finding out what kind of home loan wo
4560 California Ave, Suite 300, Bakersfield, CA, 93309
Cornerstone Mortgage is a locally owned and operated company with over twenty five years of experience in the lending industry. We offer a variety of loan products to fit our client’s specific needs. Each client is different and their lifestyles require special planning. We are dedicated to helping our clients choose the right loan.
1200 Discovery Drive, Ste. 300, Bakersfield, CA, 93309
GEM Mortgage, a division of Golden Empire Mortgage (GEM) is proud to hold ourselves as one of the most respected lenders in the mortgage industry for nearly 30 years. The GEM business philosophy holds true that all consumers deserve access to credit, where “our customers are our business” is the cornerstone for excellence.
5060 California Ave, Suite 1090-F, Bakersfield, CA, 93309
The Clarity Home Loans Team is committed to providing clients with the highest quality home loans combined with some of the most competitive mortgage rates available in all of California. Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, our highly experienced team of mortgage
5001 California Avenue, Suite 200, Bakersfield, CA, 93309
Agape Mortgage provide you the best information to help you decide to purchase or refinance your personal home, vacation home or investment property. You can trust us to help you find the loan program that is best for you and your family, according to your goals.The loan process can be a source of anxiety.
Equity Loans (hard money). We are a direct equity lender operating in the Bakersfield area since 1980. and therefor Equity 1 Loans has specializes in making cash, money loans, on homes, and manuf homes with lot and foundation, and residential income property for over 35 years.and also Equity Loans A+ rating from the Better Business Bureau
5201 California Ave, Suite 450, Bakersfield, CA, 93309
MLD Mortgage Inc., dba The Money Store ® is a Full Service Mortgage Banker headquartered in Florham Park, New Jersey, and is licensed in 48 states across the country.Our focus is to provide highly competitive, responsible mortgage loans to everyday homeowners.For over 40 years, The Money Store® name has been synonymous with mortgage lending
