USDA Loan Vs. FHA loan for Oceano, CA [ best of 2023]

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.

9252604876 523 miles Lender's profile and map Reviews Barrett Financial Group LLC 270 E Rivulon Blvd, Gilbert, AZ, 85297 At Barrett Financial Group, our mission is to provide exceptional guidance to our customers throughout the entire mortgage loan process. We prioritize personalized attention to meet the unique needs of each customer, ensuring they have a comprehensive understanding of the process. Whether you're refinancing, buying your first home, or looking to p
(480) 231-6536 523 miles Lender's profile and map Reviews Mortgage Pros Loan Lab 4150 E Waterman Ct, Gilbert, AZ, 85297 Mortgage Pros Loan Lab is your one stop wholesale mortgage brokerage for the mortgage needs in Arizona and Colorado. Mortgage Pros was born from the over 30 years of combined experience in the mortgage industry of Sam Stockham and Anna Shurwin. wholesale mortgage brokerage for the mortgage needs in Arizona and Colorado.
(480) 345-1005 523 miles Lender's profile and map Reviews Service First Mortgage Company 3345 S. Val Vista Drive, Suite 105, Gilbert, AZ, 85297 Service First Mortgage was founded by CEO and President, Shawn Broussard, as a small mortgage brokerage firm with a hands-on-approach to meeting the needs of the consumer. Today, we are a full-service mortgage lending entity at the top of production and customer satisfaction in Texas and Arizona.
(480) 442-8834 523 miles Lender's profile and map Reviews KHoward Mortgage Team 2913 N Power Rd, Suite 108, Mesa, AZ, 85215 "With many years of experience in the mortgage banking industry, and extensive practice in originating home loans for both purchase and refinance, I am a firm believer in excellent customer service and offering the most competitive pricing. Through working with Union Home Mortgage, a Direct Lender,"
(855) 440-4852 523 miles Lender's profile and map Reviews Trusted Lending Center 2929 North Power Road, Mesa, AZ, 85215 We are a Retail Mortgage Company designed to streamline the mortgage loan process and assist you in navigating your mortgage decisions to accomplish your goals. We hold ourselves to the highest standards and encourage you to do the same. Please keep us in the forefront of your mind for your mortgage needs and those of your family and friends.
(480) 355-2430 523 miles Lender's profile and map Reviews Blue Brick Financial LLC 4710 East Falcon Drive, Suite 202, Mesa, AZ, 85215 We provide a professional environment for you to feel comfortable and welcome to discuss your needs. We are committed to evaluate every individual situation. With the experience and education of our mortgage consultants, we will help you make the best home financing decision possible.
(541) 368-0155 526 miles Lender's profile and map Reviews Access Mortgages Services, Inc. 1630 Williams Hwy 140, Grants Pass, OR, 97527 Access Mortgage Services, Inc. has provided Real Estate Loan Services since May of 2000. We provide excellent customer service for the entire loan originating, processing and closing process. As an added benefit, one specific person will handle all needed aspects of your loan from beginning to end
(949) 419-6100 526 miles Lender's profile and map Reviews All Coast Lending Inc. 2500 S Power Rd, Suite 223, Mesa, AZ, 85209 All Coast Lending, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
(480) 358-1000 527 miles Lender's profile and map Reviews Gateway Commercial Bank 6860 East Warner Road, Mesa, AZ, 85212 Gateway Bank represents a return to how banking used to be, where the staff knew everyone by name and treated you like a person instead of a number. We bring this nostalgic approach into modern times and offer the best of both worlds: the local, personal attention you want, plus a wide variety of products and services to meet your needs.
(480) 660-4872 527 miles Lender's profile and map Reviews USA Private Money, LLC 5332 South Sabrina, Mesa, AZ, 85212 USA Private Money is a private lender providing loans across the United States. They provide fix-and-flip loans, hard money bridge loans, refinancing, loans for rental properties, and private commercial loans. They offer loan amounts starting from $45,000 with a maximum LTV of 90%, terms up to 300 months, and rates ranging between 6% and 8%.
(800) 760-5809 528 miles Lender's profile and map Reviews Price Mortgage LLC 3110 State Street, Medford, OR, 97503 We know that each customer has specific needs, so we strive to meet those specific needs with a wide array of products, investment tools, mortgages and best of all quality service and individual attention. As one of Oregons top Mortgage Brokers, we are dedicated to making sure your home purchase or refinance experience is second to none.