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

In 2025, USDA loan limit in Ridgecrest, 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 Ridgecrest, 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.

(703) 342-6995 2191 miles Lender's profile and map Reviews Empower Home Mortgage LLC 4200 Pleasant Valley Road, Suite A, Chantilly, VA, 20151 Empower Home Mortgage, our mission is simple. Whether you are purchasing a new home or refinancing, we want to ensure that you feel comfortable with the process and are at ease. Our experienced mortgage professionals will guide you step by step through the process and keep you informed throughout.
(703) 926-8168 2191 miles Lender's profile and map Reviews UNITED MORTGAGE CORPORATION 4080 Lafayette Center Drive Suite 100, Chantilly, VA, 20151 United Mortgage Corporation has provided industry-leading mortgage services and helped countless home buyers and homeowners find financing solutions to meet their needs. Our reputation is based on building and maintaining relationships that last long after you get the keys to your home or complete your refinance.
(703) 408-5248 2191 miles Lender's profile and map Reviews R&F Commercial Debt and Equity 3684 Centerview Dr, Chantilly, VA, 20151 "Founded in 2011 with a strong reputation, expertise in real estate investment, and professionalism founder Steve Ross started R&F Commercial Debt and Equity in response to the challenges in the national real estate market and subsequent opportunities that have been created as its by-product.
(571) 934-8000 2191 miles Lender's profile and map Reviews Marion Mortgage, LLC 14637 Lee Highway, Suite 103, Centreville, VA, 20121 Marion Mortgage, LLC is committed to helping you find the right mortgage product for your needs. We understand that every borrower is unique, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools.
(315) 331-3893 2191 miles Lender's profile and map Reviews NetFunding Corporation 162 Budd Rd, Newark, NY, 14513 NetFunding Corporation's mortgage professionals give you the personal attention you deserve and treat you with the respect due a valued customer. We understand you're making a commitment in buying a home or refinancing a mortgage. So we make a commitment to you and will help you qualify, apply and be approved for the right mortgage loan for you.
(804) 897-3900 2192 miles Lender's profile and map Reviews Village Bank 15871 City View Drive, Suite 300, Midlothian, VA, 23113 At Village Bank, we believe you're a neighbor, not a number. Our dedication to serve shows in everything we do and say. From the uniquely personal attention we give every individual and business to the time we spend volunteering in our communities, we far more than just another bank.
(804) 794-5885 2192 miles Lender's profile and map Reviews Community Bankers’ Bank 2601 Promenade Parkway, Midlothian, VA, 23113 CBB is cooperatively owned by community banks, run by community bank executives and only works with community banks. We are state-chartered and federally-regulated and we abide by all of the regulations and guidelines that govern community banks. We are as community as a bank gets.
(804) 897-3900 2192 miles Lender's profile and map Reviews Village Bank Mortgage 15871 City View Drive, Suite 300, Midlothian, VA, 23113 Our dedication to serve shows in everything we do and say. From the uniquely personal attention we give every person, to the time we spend volunteering in our communities, Village Bank Mortgage is far more than just another mortgage lender. It is a place where the power of friendship, community and people working together.
(301) 662-7266 2192 miles Lender's profile and map Reviews FERKO Maryland Federal Credit Union 502 W Patrick Street, Frederick, MD, 21701 FERKO Maryland Federal Credit Union was established in 1955 to meet the financial needs of employees of the Frederick County, Maryland Public Schools, the Frederick Community College and members of their immediate families. From the original eight charter members, FERKO has grown to where it services over 4, 000 members.
(301) 620-0220 2192 miles Lender's profile and map Reviews Revolutionary Mortgage Company 9099 Ridgefield Drive, Suite 104, Frederick, MD, 21701 Revolutionary Mortgage is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools.
(239) 267-2400 2193 miles Lender's profile and map Reviews AMC Mortgage Corporation 20103 Cheetah Lane, Fort Myers, FL, 33913 Full service mortgage company serving Maryland, Pennsylvania and Florida. Acclaimed as one of America's top mortgage brokers. AMC also portfolios mortgage loans. AMC provides all types of mortgages from Fannie Mae, Freddie Mac, FHA, VA, USDA, construction loans to commercial loans.