USDA Loan Vs. FHA loan pro & con for Los-Osos, San Luis Obispo County, CA

In 2025, USDA loan limit in Los-Osos, county of San Luis Obispo, CA is $561,200 while FHA limit is $701,500 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 Los-Osos, 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.

(949) 345-1319 212 miles Lender's profile and map Reviews Loan Experts 23276 South Pointe Drive, Suite 211, Laguna Hills, CA, 92653 Loan Experts, we understand that what works for one borrower does not work for another. We strive to find a loan that is beneficial to you, our client, and one that achieves your goals! That is ultimately our goal. Loan Experts is committed to providing our clients with the highest quality loan along with some of the lowest rates in California
(949) 616-8335 212 miles Lender's profile and map Reviews Countywide Home Loans 26511 Bridlewood Drive, Suite A, Laguna Hills, CA, 92653 Countywide Home Loans. We are a full-service mortgage company based in Laguna Hills, CA. We specialize in Home Purchase Loans and Refinance in all of Southern California. Whether you are buying a home or refinancing in Ventura, Los Angeles, Orange, San Diego, San Bernardino or Riverside counties
(800) 781-0899 212 miles Lender's profile and map Reviews Qualified Home Loans 23330 Mill Creek Drive, Suite 150, Laguna Hills, CA, 92653 Qualified Home Loans is a full service California Mortgage Brokerage that creates opportunity for home buyers & transactions for real estate agents. At Qualified we match expertise, diverse loan offerings & personal attention. Our talented team of dedicated professionals will custom tailor a loan strategy for you to accomplish your family’s goals.
(866) 784-5164 212 miles Lender's profile and map Reviews Homeland Financial Network, Inc. 23022 La Cadena, Suite 203, Laguna Hills, CA, 92653 Homeland Financial Network, Inc was founded in 2007 as a mortgage broker firm. We have since evolved into a direct lender. Due to our massive amount of relationships developed over the years, we have every program imaginable to offer our clients, with the very best interest rates in the market.
(949) 616-3613 212 miles Lender's profile and map Reviews Guardian Capital 23046 Avenida de la Carlota, Suite 601, Laguna Hills, CA, 92653 Founded in 1994, Guardian Capital has been providing real estate home mortgages to California residents, based primarily in Southern California. Guardian Capital, my top priority is finding our clients the best loan rate and loan package. With 22 plus years experience, I have the relationships, resources.
(800) 451-8810 212 miles Lender's profile and map Reviews Interest Smart Home Loans 23172 Plaza Pointe Dr, Suite 155, Laguna Hills, CA, 92653 Interest Smart Home Loans was established in January 2014 by Jared Hart. Jared and his team set out to create a mortgage company that was built on a foundation of trust, integrity and honesty. We strive to treat our clients and our employees with the utmost respect that they deserve.
(916) 203-6901 213 miles Lender's profile and map Reviews William (Will) Call, Insight Mortgage Solutions LLC 9709 Mountain Vista Circle, Elk Grove, CA, 95757 Our Promise, Commitment & Expectation…From the first day we talk until the day we close escrow, & even after we close escrow, we are 100% committed to making sure you have a greater than expected mortgage experience. We will be working very hard from Day 1 to get your offer accepted ahead of others, meet or be early on the deadlines.
(916) 821-9807 213 miles Lender's profile and map Reviews Five Diamond Realty 6608 Pallazzo Way, Elk Grove, CA, 95757 Five Diamond Realty & Mortgage was founded in 2009 during the Great Recession in Elk Grove, CA. The Broker, President, and CEO, Arsalon Badri, graduated from U. C. Berkeley, With hundreds of closed transactions, Five Diamond Realty & Mortgage is highly qualified to get the job done and surpass all your expectations.
(949) 732-4000 214 miles Lender's profile and map Reviews Partners Bank of California 27201 Puerta Real, Suite 160, Mission Viejo, CA, 92691 Founded by a group of entrepreneurs in 2007, we pride ourselves in being the only business bank headquartered in South Orange County. We understand that business owners don't want a bank — they want a banker — a trusted advisor who can be an extension of their business and the partner they need. This is why we're Partners Bank of California.
(800) 734-3772 214 miles Lender's profile and map Reviews LoanAction Mortgage Services 24002 Via Fabricante, Suite 226, Mission Viejo, CA, 92691 LoanAction Mortgage Services is a full service mortgage company with an experienced staff offering expertise in every area of mortgage lending. We are a direct-to-consumer mortgage company and we focus on three fundamentals: superior service, excellent rates and access to all types of home mortgage financing options.