USDA Loan Vs. FHA loan pro & con Oceano, San Luis Obispo County, CA

In 2025, USDA loan limit in Oceano, county of San Luis Obispo, CA is $644,000 while FHA limit is $911,950 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 Oceano, 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.

(630) 393-9362 Lender's profile and map Reviews Compass Mortgage Inc 27755 Diehl Rd Suite 100, Warrenville, IL, 60555 Mortgages are our only business. We can guarantee that meeting all of your mortgage needs is our top priority. At Compass Mortgage our strongest desire and greatest passion is to help our clients make wise and informed choices with regards to mortgage financing. Our experienced staff is always available to answer any questions you may have loan.
(833) 937-7282 Lender's profile and map Reviews SECURITY BANK AND TRUST COMPANY 210 W Washington St, Paris, TN, 38242 Security Bank and Trust Company was founded in 1905, and continues to serve Northwest Tennessee and Southwestern Kentucky. To date, we have thirteen branches throughout the communities including Martin, Milan, Union City, Hornbeak, Fulton, Dyer, Trenton and Humboldt. We are a locally owned
(731) 642-3341 Lender's profile and map Reviews Commercial Bank and Trust Company 920 East Wood St, Paris, TN, 38242 Catering to personal and small business financial needs since 1877, Commercial Bank and Trust Company is a unique full-service bank, distinguished by its impeccable customer service and refined atmosphere. With eleven branches located throughout Memphis, Paris, Union City, and Jackson, Tennessee, Commercial Bank stands ready to put
(731) 644-9031 Lender's profile and map Reviews Holley Credit Union 1107 Mineral Wells Ave., Paris, TN, 38242 Holley Credit Union has been serving our members since 1952. We are federally insured by the NCUA to at least $250, 000. Contact us today to see how you can become a member! Credit Union has been serving our members since 1952. We are federally insured by the NCUA to at least $250, 000
(920) 387-6333 Lender's profile and map Reviews Wisconsin Consumer Credit Incorporated 700 East Avenue, Lomira, WI, 53048 Wisconsin Consumer Credit has been helping customers with auto financing since 2009. Our staff provides fast response, friendly service & a personal review of every auto loan application received. We care about your transportation needs & partner with dealers that stand behind their vehicles to ensure you get where you need to go, safely & on time.
(630) 772-1216 Lender's profile and map Reviews Genex Lending LLC 1775 Lanyon Drive, Bartlett, IL, 60103 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.
(630) 908-5309 Lender's profile and map Reviews THE PREFERRED GROUP MORTGAGE AND CONSULTING SERVICES, INC. 110 S. Oak Ave, Suite 100, Bartlett, IL, 60103 We are not a BIG BOX Loan Store quoting rates and closing costs based off of a computer algorithm. Here at the Preferred Group, we go to work for you. We roll up our sleeves and do the hard work, finding you the best options for your situation. Due to our experience and full-service operations, we provide in-depth knowledge, help
(504) 837-0550 Lender's profile and map Reviews Eureka Homestead Loan Office 720 Harrison Ave, Suite A, New Orleans, LA, 70124 Eureka offers traditional deposit products including passbook savings accounts and certificates of deposit, as well as loan products. Our team of mortgage associates can help to find you the best available mortgage lending programs and work with you to assure the highest rate of approval with respect to your current situation
(847) 682-2011 Lender's profile and map Reviews Peace Mortgage Inc 875 Feinberg Ct., Suite 103, Cary, IL, 60013 Don Elbert a mortgage banker offering all mortgage products including FHA, VA, Conventional and Jumbo. Serving the lending needs of real estate professionals, builders and individual homebuyers throughout the state for the past 18 years. Don also a trusted mortgage advisor to many CPA’s and Financial planners in the area.
(662) 844-4833 Lender's profile and map Reviews Gum Tree Mortgage 218 S Thomas St, Suite 105, Tupelo, MS, 38801 Gum Tree Mortgage assists clients from all credit grades and secures mortgage loans in the states of Mississippi and Montana. We pride ourself on having unique products to fit the various needs of our clients. Contact Gum Tree Mortgage at 877-356-6528 to find out more about the products and services we can provide
(630) 276-5555 Lender's profile and map Reviews HealthCare Associates Credit Union. 1151 East Warrenville Road, Naperville, IL, 60563 As a credit union, we have members, not customers. As a not-for-profit cooperative, we are dedicated to providing superior financial value with products and services including savings, checking, investments, loans, credit cards, and 24/7 access to your money via mobile, Internet and telephone.