USDA Loan Vs. FHA loan pro & con McFarland, Kern County, CA

In 2025, USDA loan limit in McFarland, county of Kern, CA is $345,100 while FHA limit is $472,030 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 McFarland, 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.

(281) 358-0117 Lender's profile and map Reviews Optima Mortgage Corporation PO Box 6852, Kingwood, TX, 77325 We pride ourselves on providing superior customer service and creating satisfied customers. We work hard to satisfy the mortgage needs and exceed the expectations of our customers. Our customers save money and close their loans quickly because we employ the most advanced mortgage technology available.
(660) 827-9518 Lender's profile and map Reviews Bothwell Hospital Employees Credit Union 600 E 13th Street, Sedalia, MO, 65301 Bothwell Hospital Employees Credit Union is committed to our members. We will uphold our fundamental responsibility to actively serve people within our field of membership and, as appropriate, the communities they live in. We will treat all members with respect and dignity and will offer honest, fair deals to all members at all times.
(832) 962-4852 Lender's profile and map Reviews BHI Funding 2626 South Loop West, Suite 232, Houston, TX, 77054 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.
(832) 757-1262 Lender's profile and map Reviews Tidal Loans 2616 S Loop W, Unit 505, Houston, TX, 77054 Our team has over 50 years of combined hands on experience investing in all aspects of real estate: from residential development, private money lending, property management and fix and flips. We have been in your shoes and we know what it takes to become successful real estate investors.
(713) 852-1459 Lender's profile and map Reviews Brentwood Baptist Federal Credit Union 13033 1/2 Landmark Street, Houston, TX, 77045 Brentwood Baptist Church Federal Credit Union has been open since 1993. The credit union has assets totaling $1.34 Million and provides banking services to more than 600 members as of March 2022. The credit union is a religious-based credit union. Membership is also open to immediate family of current members
(281) 856-5300 Lender's profile and map Reviews First Community Credit Union Houston PO Box 840129, Houston, TX, 77284 For six decades and counting, First Community has been working to build a stronger Houston. Yes, we've grown from modest beginnings to $1.9 billion in assets, becoming one of Houston's largest credit unions - and we did it by putting people FIRST. When you join First Community, we get to know you — because that’s the best way
(281) 706-4049 Lender's profile and map Reviews Private Leverage 2000 Crawford Street, Suite 840, Houston, TX, 77288 Private Leverage exists to serve a community of borrowers that exhibit character, yet are underserved by traditional capital markets. We embrace economic empowerment as a solution to many of our client's needs, and look to provide leverage in the form of private lending to assist in their journey.
(713) 753-3022 Lender's profile and map Reviews KBR Heritage FCU 601 Jefferson Street, Suite KT-02, Houston, TX, 77002 In 1953, KBR Heritage Federal Credit Union was established as a member-owned, not-for-profit financial institution. Throughout the years, KBR Heritage Federal Credit Union has remained strong and continued to grow along with our members. Serving our membership is a top priority for us.
(713) 755-5160 Lender's profile and map Reviews Harris County Federal Credit Union 1400 Franklin Street, Houston, TX, 77002 Established in 1951, Harris County Federal Credit Union serves over 15, 000 members throughout Harris County. All employees of Harris County, their immediate families and anyone who lives, works, attends school or worships in zip codes 77002, 77003, 77004, 77006, 77011, 77020, 77023 and 77026 is eligible for membership.
(713) 224-6004 Lender's profile and map Reviews Direct Commercial Funding Inc 440 Louisiana Street, 9th Floor, Houston, TX, 77002 Direct Commercial Funding Inc. works around the clock 24/7 to provide fast commercial financing for an array of commercial loan request. Some of our products include commercial mixed use development loans, hospitality financing, apartment loans, commercial land acquisition & construction and more
(833) 896-6639 Lender's profile and map Reviews Allura Financial 410 Pierce St, Suite 103, Houston, TX, 77002 Allura Financial is a private money lending company that provides a number of different property financing options to people looking to find a home to rent out for them and their family to live in, for multiple families or large families looking for a house to live in, and for people looking for fix and flip financing to buy a property