USDA Loan Vs. FHA loan for Guadalupe, CA [Santa Barbara County Rates 2023]

In 2025, USDA loan limit in Guadalupe, 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 Guadalupe, 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.

(503) 339-8081 709 miles Lender's profile and map Reviews Access G T Mortgage Inc 945 Alder Drive NE, Keizer, OR, 97303 We are a full service mortgage broker started in 2004 that follows the Golden Rule and offers five star service and the best rates in the business. We offer conventional, subprime, construction, renovation, jumbo, FHA, VA and USDA loans as well as private mortgages. We look forward to the opportunity to provide you with five star service.
(505) 327-9500 710 miles Lender's profile and map Reviews Major Mortgage 5600 Mickey Dr, Suite D, Farmington, NM, 87402 Here at Major Mortgage We are your Local Mortgage Lender and we strive daily to be a one stop shop for you by providing Processing, Underwriting and Closing all under the same roof. Our team of licensed experts have a combined 40 years of experience and extensive knowledge and understanding of loans and how they work.
(503) 485-9500 710 miles Lender's profile and map Reviews Lighthouse Financial Enterprises, Inc 110 Wallace Rd. NW, Salem, OR, 97304 At Lighthouse Financial Enterprises, 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 your family from the many mortgage options.
(503) 269-0005 710 miles Lender's profile and map Reviews Jenny Kuball \| Capitol Mortgage Company Loan Officer 2254 Wilmington Ave NW, Salem, OR, 97304 As a locally owned company with operations in the greater Salem and Portland metro areas, we are passionate about helping our fellow Oregon residents and investors. We proudly offer a significant range of financing programs, including conventional, FHA, VA, USDA, and even private money financing.
(503) 266-5800 719 miles Lender's profile and map Reviews Advantage Mortgage Inc 265 SW 1st Avenue, Canby, OR, 97013 Advantage Mortgage was founded on the principle that big bank/retail lending, was not the best way to serve clients. On August 1st, 2018, our Canby office opened and a new path was forged in Mortgage Lending. As Independent Mortgage Brokers, we supply our customers with smarter and more financially sound solutions in home lending.
(505) 334-3074 721 miles Lender's profile and map Reviews High Desert Community Credit Union 321 S Main Street, Aztec, NM, 87410 Our Mission Statement is to promote thrift among it’s Members and to create a source of Credit that is easily accessible by the Membership. High Desert Community Credit Union is a member of NCUA. They insure your deposits just as the FDIC does for banks. We moved into our new location at 321 S. Main in Aztec, NM on May 17, 2019.
(505) 334-2510 721 miles Lender's profile and map Reviews Key Mortgage Group, Inc 109 W Chaco St, Aztec, NM, 87410 Key Mortgage Group Inc 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.
(503) 474-0731 722 miles Lender's profile and map Reviews First Federal, Yamhill County 350 NE Baker Creek Road, Mcminnville, OR, 97128 "When First Federal was founded nearly 100 years ago, we offered a new banking choice for Yamhill County residents. In the years since, we have grown in services and in number of branches, but our commitment to our customers and communities remains our primary focus. “We’re here, in the Yamhill Valley. Our mission is to provide superior banking.
(503) 709-6603 722 miles Lender's profile and map Reviews Evergreen Home Loans 1006 NE 3rd St, Suite B, McMinnville, OR, 97128 Evergreen Home Loans is a premier local mortgage lender. We originate, fund, and service loans for our direct mortgage customers and provide mortgage solutions for our business partners, banks and credit unions. We deliver on time and as promised® while providing a “WOW” experience for our customers and our Evergreen family of associates.
(970) 639-2231 722 miles Lender's profile and map Reviews Grand Valley Home Loans 1822 L Road, Fruita, CO, 81521 Mickie Fisher Rogers is the owner of Grand Valley Home Loans a recognized leader in the mortgage industry. Being a Fruita, Colorado Native, she and her family have strong roots in the Western Slope. Known for consistently delivering the best home buying experience, Mickie is passionate, genuine & always has her borrower’s best interest at heart.
(970) 243-6600 724 miles Lender's profile and map Reviews Home Loan State Bank 205 N. 4th Street, Grand Junction, CO, 81501 Home Loan’s mission is to be the preeminent financial services company in Western Colorado. Our vision involves continuously evolving and growing our institution by adding new services and products, recruiting and retaining the best bankers, lenders and service staff, all the while merging cutting edge technology with traditional values.