USDA Loan Vs. FHA loan pro & con for Live-Oak, Santa Cruz County, CA

In 2025, USDA loan limit in Live-Oak, county of Santa Cruz, 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.

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USDA and FHA loan options in Live-Oak, 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.

(714) 280-8668 323 miles Lender's profile and map Reviews Humming Realty 1251 North Manassero Street, Suite 402, Anaheim, CA, 92807 We have been in the real estate services business for many successful years. Our goal is to provide accurate and useful information to you as our clients so that you can make sound decision to minimize your risk and maximize your potential profits in every real estate transactions. Contact us for a free consultation.
(888) 299-4422 323 miles Lender's profile and map Reviews HomeLoansNow 4501 East La Palma Avenue, Suite 240, Anaheim, CA, 92807 "HomeLoansNow mission at HomeLoansNow is to always provide the best service and loan terms while building long lasting relationships with everyone we work with. After 20 years, we are proud to have a loyal base of customers that keep coming back. Let your personal journey to comfort and savings start today"
(877) 277-9032 323 miles Lender's profile and map Reviews California Vanguard 4420 E. Miraloma Ave, Suite L, Anaheim, CA, 92807 California Vanguard Mortgage Specialist they will assess your needs and help determine which route will lead you to a loan that will fit you and your family. Ask as many questions as possible and talk about your true immediate and long-term goals to enable your mortgage specialist to deliver the comprehensive help you need
(714) 313-3721 323 miles Lender's profile and map Reviews New Horizons Loans 6200 East Canyon Rim Road, Anaheim, CA, 92807 "Brett Faryniarz, Broker/Owner has been licensed and originating Government and Conventional loans since 1997. ""Our passion is helping individuals and families save their hard earned money with excellent loan programs. New Horizons Specializes in: Residential VA, FHA and Conventional Lending"
(714) 350-8046 323 miles Lender's profile and map Reviews Pridemark Real Estate 5241 East Santa Ana Canyon Road, Suite 110, Anaheim, CA, 92807 Drawing from his over 20 years experience in the Real Estate Industry, Todd has established strong community recognition built on his trademark of personalized service to the many families moving in and out of North Orange County. Being an Orange County Native, Todd has intimate knowledge of each community's unique character
(714) 598-9899 323 miles Lender's profile and map Reviews US Lending Network, Inc. 4411 E. La Palma Avenue, Anaheim, CA, 92807 Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
714-321-7090 323 miles Lender's profile and map Reviews Orange County Mortgages by End Zone Mortgage 6200 E. Canyon Rim Rd. Suite 204, Anaheim, CA, 92807 We have 13 Lenders to work with you, some with down payment assistance programs. We have FHA VA and Conventional Loans with down payments as low as 3.5 % and conventional loan with only 3% down and lender paid Mortgage Insurance. We offer 12 and 24 month bank statement loans for our Self Employed Clients.
(877) 695-4900 323 miles Lender's profile and map Reviews Trimark Funding 5753 Santa Ana Canyon Road, Suite 617, Anaheim, CA, 92807 Trimark Funding is hard money lender headquartered in Anaheim Hills, CA. They provide funding in California. Their lending focus is mainly on fix and flip hard money loans. They do not require a minimum FICO rating to receive a loan. The focus of their loans is for single family and multi-family units
(714) 714-0050 323 miles Lender's profile and map Reviews Vantage One Mortgage 5212 Silver Drive, Santa Ana, CA, 92703 Vantage One Mortgage provides wide range of residential mortgage services, including home purchase, refinance, cash out to meet your financial needs and circumstances. Working directly with national and local wholesale lenders to get you the best terms. We also assist with Non-QM mortgages, and Hard Money lending.
(909) 467-8600 323 miles Lender's profile and map Reviews Golden Coast Mortgage 1119 South Milliken Avenue, Ontario, CA, 91761 Golden Coast Mortgage, a division of Golden Empire Mortgage, Inc., Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act. The Golden Coast Mortgage Team is committed to providing clients with the highest quality home loans combined with the most competitive mortgage rates.
(909) 587-5185 323 miles Lender's profile and map Reviews Capital United 3200 East Guasti Road, Suite 100, Ontario, CA, 91761 Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
(909) 654-5838 323 miles Lender's profile and map Reviews Firm Foundation Finances Inc 4345 East Lowell Street, Suite N, Ontario, CA, 91761 The mortgage Industry is filled with companies and individuals that forget that individuals need individual attention. Many in the industry are amateurs that don't know what they are doing and don't have your best interest at the forefront. We know that "Close Enough" in not Enough.