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.

(970) 249-5319 753 miles Lender's profile and map Reviews San Juan Mountains Credit Union 1400 E. Main Street, Montrose, CO, 81401 Our Mission is TO SERVE AS THE PRIMARY FINANCIAL INSTITUTION OF OUR MEMBERSHIP BY PROVIDING EFFICIENT SERVICES OF HIGH QUALITY, THUS PROMOTING THE PHILOSOPHY OF "PEOPLE HELPING PEOPLE". San Juan Mountains Credit Union welcomes all people to become a member, not just another account number like at other financial institutions.
(970) 249-8813 753 miles Lender's profile and map Reviews NuVista Federal Credit Union 2711 Commercial Way, Montrose, CO, 81401 NuVista Federal Credit Union which was originally Montrose Federal Credit Union was established in 1964. It was built on honesty, integrity & self worth.We hold that same foundation today.When first opened the credit union was for federal employees only. Times have changed & we know now that the support of the community as a whole is what helps us.
(425) 263-3500 753 miles Lender's profile and map Reviews Mountain Pacific Bank 3732 Broadway, Everett, WA, 98201 Mountain Pacific Bank is a full-service commercial bank located in Everett, WA. The bank opened its doors in July of 2006 and achieved profitability in 6 months, setting a record for Washington State. The bank has continued to grow & set records and currently reports $534.3million in assets.
(425) 405-9973 753 miles Lender's profile and map Reviews SnoCope Credit Union 3130 Rockefeller Avenue, Everett, WA, 98201 A not for profit financial cooperative started in 1959; membership is open to anyone who lives, works, worships, goes to school or operates a business in WA. SnoCope makes employment decisions without regard to race, color, sex, national origin, veteran status, sexual orientation, gender identity, religion, age, disability or other protected status
(206) 774-2900 753 miles Lender's profile and map Reviews Nordstrom Federal Credit Union 2701 Hoyt Avenue, Everett, WA, 98201 Member-owned and serving Nordstrom employees since 1936, Nordstrom Federal Credit Union is dedicated to providing superior service and financial products. Our members enjoy perks like custom-tailored loan terms, competitive dividend rates, and convenient online banking services. Experience a different, better kind of banking.
(425) 252-5139 753 miles Lender's profile and map Reviews Mill Town Credit Union 3102 Broadway, Everett, WA, 98201 Mill Town Credit Union was chartered in September 1939 by the then employees of the Soundview Pulp Company based off the waters near the Everett Marina. It became Scott’s Paper Credit Union after it was acquired by the company in 1963 and became a reliable financial resource for the employees.
(425) 259-6446 753 miles Lender's profile and map Reviews Community Healthcare Federal Credit Union 1503 Pacific Avenue, Everett, WA, 98201 Community Healthcare Federal Credit Union was chartered in 1959 by the employees of Everett General Hospital to provide an alternative to traditional banking rates and fees. We now provide financial services such as savings, checking, IRA’s, Certificates of Deposit, VISA, student loans, and a variety of consumer loan products to individuals.
(425) 297-1000 753 miles Lender's profile and map Reviews NW Plus Credit Union 2821 Hewitt Ave, Everett, WA, 98201 nw+\|cu is a not-for-profit financial cooperative. When individuals become members of a credit union, they become equal shareholders, each with one vote to elect their volunteer Board of Directors and Supervisory Committee. These volunteers oversee a professional management team and overall credit union operations
(520) 459-1860 754 miles Lender's profile and map Reviews American Southwest Credit Union 3090 E Fry Blvd, Sierra Vista, AZ, 85635 We are a Co-Op and we help you thrive! By providing personal and business financial services to our members, with local decision making and local community investments, everyone benefits. We truly care about the success and financial well-being of our members. And when our members prosper, so do our communities.
(866) 618-2675 756 miles Lender's profile and map Reviews Bank of the San Juans 144 E. Eighth St, Durango, CO, 81301 Bank of the San Juans began in 1998 as a start-up with Durango community investors. Over the ensuing two decades, the bank has grown into a robust organization across Colorado, with 20 locations in 14 communities and 200+ employees. In 2008, the bank joined the Glacier family of banks and operates.
(239) 438-6432 756 miles Lender's profile and map Reviews Sinberg Capital Lending 1099 Main Ave, Suite 300, Durango, CO, 81301 At Sinberg Capital Lending we understand the needs and goals of each of our clients. We work directly with clients and real estate professionals to provide comprehensive mortgage solutions for today’s real estate markets. Established in 2007, Sinberg Capital Lending offers a complete portfolio of loan products at highly competitive rates.