USDA Vs. FHA Pro and Con comparison in Ridgecrest, Kern County, CA
For 2025, the USDA loan limit in Ridgecrest, within Kern county in CA, is set at $345,100, whereas the FHA limit is $472,030 for a single-family dwelling.
Make use of the Lendersa® USDA loan calculator to compare today's optimal rates for USDA and FHA loans. It helps determine the required income, credit, reserves, and documentation needed for qualification. Our advanced mortgage calculator provides a side-by-side comparison of USDA, FHA, Conforming, and VA loans, guiding you to choose the best program in Alabama for your financial situation.
2025 Loan Limits and Down Payment Requirements in Ridgecrest, Kern, CA
Loan Type
Loan Limit
Down Payment
USDA
$345,100
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Options for USDA and FHA Loans in Ridgecrest, CA
The goal at Lendersa® is to efficiently provide you with optimal USDA or FHA loans without undue complexity. Choose from three starting options to find matching lenders and relevant USDA loan programs.
The USDA home loan, or USDA rural development loan, is guaranteed by the government via the Department of Agriculture, available only in rural areas. FHA loans require at least a 3.5% down payment, whereas USDA mortgage loans require no down payment at all.
1033 Foothill Boulevard, La Canada Flintridge, CA, 91011
Calstar Realty and Mortgage Services has achieved the highest level of production by providing superior service to its customers. Our mission is to become the premier real estate and financial service provider to our clientele. Our emphasis is on creating a completely satisfied client for life.
607 Foothill Blvd #494, La Canada Flintridge, CA, 91011
Hello. My name is David Kutner and I am licensed both in California and nationally as a mortgage professional. When you are my client I find great loan program for your particular situation among the many lenders that are available. You will get very personal, friendly service from start to finish, and even after the transaction is completed.
Greene Light. We are different here. We don't play games. Our goal is simply to provide you with the lowest possible interest rates and costs. We pledge to help you overcome roadblocks that can arise while securing a loan. Homeownership is within reach. Some even qualify with no down payment! Green means GO at Greene Light.
Spec Home Loans was established in 2006 by Southern California native Brian Barre, an accomplished business leader with extensive knowledge and experience in the real estate and mortgage industries. After spending the first part of his professional career as a Loan Officer, Brian decided to venture out on his own.
We've been helping customers afford the home of their dreams for many years and we love what we do. We gather nonpublic personal information about our customers as may be necessary to conduct business with our customers. Customer service is very important to all of us. As we continue to improve and expand our services
Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with top professionals who is able to give you quick and accurate financial advice. Our experienced loan officers
First Priority Capital is committed to providing its customers throughout the state of California with some of the best mortgage rates and the lowest fees in the industry. We have streamlined the entire mortgage process to make it faster and more efficient.Our entire team is devoted to our commitment of providing only exceptional service.
1403 Foothill Boulevard, Suite E, La Verne, CA, 91750
GMA Real Estate has been representing clients in La Verne, Claremont, San Dimas and throughout Southern California for over 20 years. Having worked previously as a mortgage underwriter, Patricia has the knowledge to help buyers obtain the right mortgage for them. Having a strong mortgage background also helps ensure our sellers.
10134 6th Street, unit F, Rancho Cucamonga, CA, 91739
Since 2000, Mana Capital Partners has provided many investors with millions of dollars of trust deed investments on California real property that provide high yields with acceptable risk. We have a tremendous amount of repeat business with many of our investors which illustrates Mana Capital Partners dedication to performing its service with integr
My mission is to serve my customers with honesty, integrity and competence. My goal is to provide home loans to my clients while providing them with the lowest interest rates and closing costs possible. Furthermore, I pledge to help borrowers overcome roadblocks that can arise while securing a loan.
12223 Highland Avenue, Suite 601, Rancho Cucamonga, CA, 91739
"At American First Financial and Realty is a full service Mortgage and Real Estate Company.
We have had the privilege to work with the families of our commuinties for over 20 years. Providing a variety of Real Estate and Mortgage related services. We work with first time home buyers, investors, and small business'."
