USDA Loan Vs. FHA loan pro & con for Pleasure-Point, Santa Cruz County, CA

In 2025, USDA loan limit in Pleasure-Point, county of Santa Cruz, CA is $657,900 while FHA limit is $822,375 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 Pleasure-Point, 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.

(503) 728-4321 635 miles Lender's profile and map Reviews Wauna Credit Union 101 SE Truehaak Street, Clatskanie, OR, 97016 At Wauna Credit Union we live our mission to provide opportunities for our members to build their financial well-being. We offer a full array of financial services - Checking & Savings Accounts, Personal Loans, Mortgages, Home Equity Loans, Business Services and Lending, IRAs and investment services.
(435) 787-2600 636 miles Lender's profile and map Reviews Diversified Home Loans 165 E 1400 N, Suite 200, Logan, UT, 84341 Diversified Home Loans has an all-star team, dedicated to the needs of our clients. Collectively we have experience with all types of loans, and can help people in any and all loan situations.Our promise to all our clients is to offer the very best financial advice and to consistently exceed your expectations.
(480) 358-1000 636 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 636 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%.
(208) 634-1000 639 miles Lender's profile and map Reviews Idaho First Bank 475 Deinhard Ln, McCall, ID, 83638 Idaho First Bank is a Bank with operations in fifty states. Idaho First Bank offers numerous mortgage programs including conventional, jumbo, non-owner occupied, FHA, VA, USDA, reverse, construction, credit-challenged borrower, zero down mortgage, physician loans and Good Neighbor Next Door Program mortgages
(435) 752-8020 639 miles Lender's profile and map Reviews 1st Utah Mortgage 68 West 100 North, Logan, UT, 84321 1st Utah Mortgage Clients receive personal service from a successful mortgage broker who has navigated the ups and downs of the mortgage industry for over 20 years. I’ll use my expertise and knowledge to personalize a mortgage loan program that is right for you and personally guide you through the entire loan process.
(435) 755-2177 639 miles Lender's profile and map Reviews Wasatch Mortgage Solutions 664 North Main, Suite 103, Logan, UT, 84321 Founded in 1999, Wasatch Mortgage Solutions is a mortgage lender in Logan, Utah. We're licensed to do home loans in all of Utah and Idaho, even though we call Cache Valley home and As a mortgage lender, we offer a wide variety of home loan programs including Conventional, FHA, VA, USDA, and Portfolio home loans
(360) 501-9500 639 miles Lender's profile and map Reviews PUD Federal Credit Union 960 Commerce Avenue, Longview, WA, 98632 At PUD Federal Credit Union we know you have many great choices in our local area for your financial needs, and we’ll go the extra mile to earn your business. Unlike banks, we are a non-profit which means we return our profits to you, our member-owners, which means better rates, lower fees and special discounts.
(360) 425-5444 639 miles Lender's profile and map Reviews Mint Valley Federal Credit Union 3325 Washington Way, Longview, WA, 98632 Mint Valley Federal Credit Union will be a financial cooperative committed to providing quality financial services to its members. We will operate primarily within the region, but will service members beyond this area through their places of work, by phone, or by mail as required.
(360) 423-2770 639 miles Lender's profile and map Reviews Lower Columbia Longshoremen's Federal Credit Union 629 14th Avenue, Longview, WA, 98632 Lower Columbia Longshoremen's FCU exists to provide each member with personal, professional, convenient and competitive financial services. Once you join your family members are eligible, too. This includes grandparents, parents, spouses, siblings, grandchildren, and children, they can extend the membership opportunity to their family members, too.
(360) 425-2130 639 miles Lender's profile and map Reviews Red Canoe Credit Union 1418 15th Ave, Longview, WA, 98632 We're passionate about helping our members achieve their financial dreams. We're dedicated to hiring passionate, knowledgeable, and dependable individuals who are service-oriented and attentive to detail. If you're looking for a rewarding career in the financial industry and enjoy providing excellent customer service.