USDA and FHA Pro and Con in Monte-Sereno, Santa Clara County, CA
As of 2025, the USDA loan cap in Monte-Sereno, located in Santa Clara county, CA, is $657,900. By contrast, the FHA limit for a single-family residence is $822,375.
Employ the Lendersa® USDA loan calculator to evaluate current USDA versus FHA rates. This tool allows you to find out the income, credit score, reserves, and documentation necessary for qualification. Our sophisticated mortgage calculator presents USDA, FHA, Conforming, and VA loans in a comparative layout, assisting you in selecting the optimal plan for your specific financial circumstances in .
2025 Loan Limits and Down Payment Requirements in Monte-Sereno, Santa Clara, CA
Loan Type
Maximum Loan Amount
Down Payment
USDA
$657,900
0%
FHA
$822,375
3.5%
Conventional Conforming
$822,375
3%
USDA and FHA Loan Opportunities in Monte-Sereno, CA
The aim at Lendersa® is to secure the most advantageous USDA or FHA loan for you quickly and with ease. Choose one of three starting options that align you with suitable lenders and USDA loan schemes.
A USDA mortgage is a government-backed loan facilitated by the Department of Agriculture, often referred to as a USDA rural development mortgage or USDA mortgage. It's available exclusively in rural areas. In contrast to FHA loans, which require a minimum 3.5% down payment, USDA loans require no down payment at all.
2190 Stokes Street, Suite 101, San Jose, CA, 95128
Olympic Mortgage was established in April of 1996 by its co-founders, Luis & Cielo Marengo. Together the Marengo family has been a pillar in the San Jose Real Estate Lending Community and have been involved in many community services such as, youth and high school sports coaching and management, PTA services.
1101 S. Winchester Blvd, Suite H-189, San Jose, CA, 95128
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.
1245 S Winchester Blvd, Suite 209, San Jose, CA, 95128
We have been featured on NBC, CBS, FOX, ABC and several other media for our mortgage expertise. We have been named to 2017 Inc 500 list of fastest-growing private companies in America. In the same list, Arcus Lending was named the 3rd fastest growing mortgage company in the country.
Excite is a relatable, jean-wearing, never-boring, highly-caffeinated credit union. We’re made up of smart, friendly people who feel it’s our responsibility to take care of the neighborhoods we live in. And we want to give everyone the chance to build a financially stronger future – because together is the only way to step up to better.
The Property Network is a company made up with professionals who provide customers with a complete solution to purchasing, selling and refinancing a home. With a comprehensive approach to customer service, The Property Network makes the client transaction a positive and enjoyable experience.
Fernando is a licensed and full time professional Real Estate Broker. Fernando's commitment to professional service and results has made him an integral part of Silicon Valley's best Real Estate agents and developers. Fernando has a wealth of knowledge and skill within the industry.
Our team is committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
Preferred Mortgage Loans is a dynamic mortgage broker whose mission is to provide the community with the best loan programs available, making homeownership as affordable as possible. We accomplish this through consumer education, building long term relationships based on honesty, integrity and a dedication to excellent customer service.
SnapFi is innovating the mortgage lending experience. Working at the intersection of leading edge technology and dedicated, expert advisory services, we customize and deliver the best financial solutions for our clients, today, tomorrow, and into the future. We’re fast. We’re agile. We make our own decisions.
Foley Mortgage provides mortgage financing for all types of borrowers and situations, including refinances, purchases, FHA / VA. Additionally we offer hard money loans for investor flips, estate trusts or probate, rehab projects, small commercial and mixed use properties. Mike Foley is the co-owner & creative side of Foley Mortgage.
"Excel Trust Deed Investments (formerly Excel Financial) has been arranging private lending solutions and helping families and businesses in the San Francisco Bay Area with their alternative financing needs for over 30 years.
Our loan experts constantly evaluate the best ways to help meet your short-term and long-term financial goals."
