USDA Loan Vs. FHA loan for San-Martin, CA [Santa Clara County Rates 2023]

In 2025, USDA loan limit in San-Martin, county of Santa Clara, 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 San-Martin, 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.

(360) 901-3210 592 miles Lender's profile and map Reviews Lloyd White, Jr 13115 NE 4th Street, Suite 160, Vancouver, WA, 98684 Summit Mortgage Corporation - NMLS 3236, NMLS Access https://nmlsconsumeraccess.org/, is a Portland-based direct lender licensed in Oregon, Washington, California, and Idaho. We've been embedded in the Pacific Northwest since 1997. We like to consider ourselves locals and pride ourselves in doing so.
(360) 910-3290 592 miles Lender's profile and map Reviews NW Funding Group- Bill Black 12411 SE 2nd circle, Vancouver, WA, 98684 We are a full-service mortgage company based in Vancouver, WA. We specialize in Jumbo- 12 month Bank Statement in Vancouver. We also serve the surrounding cities in Clark County. We offer a wide range of refinance options, designed to best meet the needs of local borrowers. If you're looking for cash out, a better rate and term, we can assist you.
(844) 539-6631 592 miles Lender's profile and map Reviews Key One Financial Inc. 15524 SE Mill Plain Blvd, Suite 200A, Vancouver, WA, 98684 Working with Erin and Key One Financial Inc., you can expect to be kept completely up to date on your loan process, giving you the peace of mind needed to focus on the other aspects of buying a home. Erin addresses the far reaching impact the mortgage will have today and well into the future through his expertise with different situations.
(360) 836-5279 592 miles Lender's profile and map Reviews DIRECTORS MORTGAGE 315 NE 192nd Ave, Suite, Suite 305, Vancouver, WA, 98684 Directors Mortgage specializes in residential mortgage loans, purchases, refinances, construction loans, reverse mortgages & debt consolidation. Each Sr. Mortgage Specialist on our team has an average of 10 years experience in the mortgage industry. We are no stranger to getting our clients into the homes of their dreams..
(360) 567-0752 592 miles Lender's profile and map Reviews NorthWest Funding Group 12411 SE 2nd Cir, Vancouver, WA, 98684 The NorthWest Funding Group Team is committed to providing clients with a wide selection of home loans combined with incredible service. Whether you are a first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, our highly experienced team of mortgage brokers can help make your dreams come true
(602) 277-2500 592 miles Lender's profile and map Reviews Republic Bank of Arizona 645 E. Missouri Ave, Suite 108, Phoenix, AZ, 85012 Success is a team effort, and RBAZ is here to help facilitate your success. We offer all of the progressive banking solutions you'd expect from a much bigger bank, all backed by sound banking principles, exceptional personal service, and a promise to exceed your expectations of what a local community bank can be.
(480) 666-6000 592 miles Lender's profile and map Reviews Mega Loans 20 East Thomas Road, Suite 2238, Phoenix, AZ, 85012 Loan Factory strives to drive down the rate, deliver low rates with no or low costs to our clients, and improve constantly in providing excellent customer service. We have closed successfully over 20, 000 loans and most of the loans are closed 25 days or less. We have an innovative website that clients can visit at https://loanfactory.com.
(602) 736-8449 592 miles Lender's profile and map Reviews Lion Mortgage 3550 North Central Avenue, Suite 1860, Phoenix, AZ, 85012 Lion Mortgage is a full-service lender whose primary focus is to serve our mortgage customers with competitive products, programs, and pricing. We pride ourselves on a higher level of continued service throughout the financing process. We specialize in delivering unconventional solutions to find you the best mortgage.
(866) 204-4288 592 miles Lender's profile and map Reviews Access Capital Group, Inc. 202 East Earll Drive, Suite 460, Phoenix, AZ, 85012 Access Capital Group, Inc. has been closing residential home loans since 2001.Our entire organization is built to provide you with market insight, industry leading customer support, and the lowest rates available in your area. Our nationally certified mortgage professionals will work with you one on one to ensure that you get a financial solution.
(801) 722-9783 592 miles Lender's profile and map Reviews Surety First Mortgage 1347 West 310 North, Midway, UT, 84049 The Surety First Mortgage Team is committed to providing clients with the highest quality home loans combined with some of the lowest mortgage rates available in all of Utah, Idaho and Colorado. Whether you are a first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt.
(360) 903-5806 592 miles Lender's profile and map Reviews Granite Home Loans 418 NE 4th Ave, Suite 109, Camas, WA, 98607 Our mission is to provide quality English language instruction through a variety of courses to international and local students in a professional and supportive atmosphere utilizing our unique English teaching methodology.Our mission is to provide quality English language instruction through a variety of courses to international.