USDA Loan Vs. FHA loan for Laguna-Niguel, CA [Orange County ]

In 2025, USDA loan limit in Laguna-Niguel, county of Orange, CA is $657,900 while FHA limit is $822,375 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.

Get top 10
USDA LENDERS
customized to yout needes

USDA and FHA loan options in Laguna-Niguel, 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.

Lendersa USDA loan request and matching results

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.

(888) 878-7715 Lender's profile and map Reviews Truss Financial Group 999 Corporate Dr, Suite 180, Ladera Ranch, CA, 92694 Truss Financial Group has persevered through one of the most detrimental market collapses ever and we've done so by forming Strategic Referral Partnerships with Realtors, CPAs, and Financial Planners. Their clients become our clients and in every instance we do our absolute best to earn their trust.
(800) 662-6784 Lender's profile and map Reviews Loangevity Mortgage 999 Corporate Drive, Suite 100, Ladera Ranch, CA, 92694 Loangevity Mortgage is here for the long run all types of loans, for all people, for all situations. We are your lender for life. Life is about longevity. Loans are about Loangevity. Our mission is to help you with your first loan, your last loan, and all loans in between we offer Conventional, Jumbo, FHA, VA, and Foreign National Loans and more.
(949) 394-6268 Lender's profile and map Reviews Al's Shop 31 Barnstable Way, Ladera Ranch, CA, 92694 Al's Shop Our base core has always been service. We dont measure our success by the number of closed loans; we measure success by the experience you receive when you apply for a mortgage with us. There are a lot of mortgage companies and we know you have a lot of choices. We look forward to the chance to earn your business.
(877) 768-8081 Lender's profile and map Reviews United Pacific Mortgage 111 Corporate Drive, Suite 235, Ladera Ranch, CA, 92694 United Pacific Mortgage offers competitively priced residential mortgage solutions to customers throughout the United States. Our goal is to deliver complete customer satisfaction by offering a professional, fast, and reliable service. We take a great interest in helping each client reach their financial goals.
(949) 981-8835 Lender's profile and map Reviews The Mortgage Advisory 999 Corporate Drive, Suite 100, Ladera Ranch, CA, 92694 The Mortgage Advisory is a Direct Lender. We pride ourselves on high integrity service, trust and fast solutions. With our customized mortgage products, we allow you to make informed decisions for a more satisfying experience and also specializes in standardized home loans, VA loans, FHA loans, low-credit score approval loans, refinancing and more
(949) 218-7075 Lender's profile and map Reviews Dave Financial Inc 49 Downing Street, Ladera Ranch, CA, 92694 Dave Financial is a team of dedicated professionals who care deeply about our clients. Together, we have over 100 years of combined experience in mortgage lending. There are six (6) licensed LO’s on the team and one (1) bilingual processor. Each member of the team is committed to providing an honest, well-communicated.
(949) 535-1530 Lender's profile and map Reviews Pivotal Capital Group 111 Corporate Drive, #270, Ladera Ranch, CA, 92694 "Pivotal Capital Group is a direct lender providing financing for non-owner occupied residential properties throughout California. We lend on fix and flips, ground up construction, bridge/acquisition, and small value-add multifamily property repositions. Pivotal is well-capitalized with institutional private equity, and offers stability, "
3108063901 Lender's profile and map Reviews Skyline Capital Lending LLC 1968 South Coast Hwy, Suite 2199, Laguna Beach, CA, 92651 Skyline Capital Lending LLC, led by Quang Dam, is redefining financial empowerment with tailored lending solutions. Rooted in integrity, we connect clients with opportunities to secure and grow their investments efficiently. Our dedicated team offers unparalleled support through every financial journey, ensuring your goals are met with excellence.
9519070360 Lender's profile and map Reviews Serv Corp 1968 S. Coast Hwy Suite 1222, Laguna Beach, CA, 92651 A Serv Corp private money loan provides flexible short-term financing solutions for investors to purchase new properties, refinance existing investments or fund renovation. Close in 7-10 days. Rates from 10.0% Up to 85% LTC & 70% ARV No application fees Get pre-approved in minutes Close in 7-10 days Low Costs Fees start at 1.25 Points
(949) 290-6865 Lender's profile and map Reviews WestOne Home Mortgage Refinancing 31658 Pacific Coast Hwy, Suite A, Laguna Beach, CA, 92651 We are committed to exceptional customer service offering tailored loans that take into account your cash flow, payment timeframe, equity plans and investment opportunities. At West One Capital Group, we assure you will get a loan that won't break your budget and provides you the flexibility.
(310) 260-5900 Lender's profile and map Reviews Financial Compound 1968 S Coast Hwy, Suite 100, Laguna Beach, CA, 92651 Financial Compound, a commercial mortgage broker based in Los Angeles, California has been an innovator in identifying and structuring capital markets opportunities for commercial real estate loans. Financial Compound and its staff have closed over $4.9 billion in transactions, running the gamut from low leverage first mortgages on trophy assets.