USDA Loan Vs. FHA loan for Santa-Maria, CA [ best of 2023]

In 2024, USDA loan limit in Santa-Maria, county of Santa Barbara, CA is $528,000 while FHA limit is $660,100 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 Santa-Maria, 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.

(800) 547-9080 https://www.lendingdeck.com/ 2371 miles Lender's profile and map Reviews LendingDeck 1401 E Cary St, Suite 400-A, Richmond, VA, 23219 LendingDeck is a nationwide lender that provides short-term fix & flip loans and long-term rental financing for real estate investors. Our loans, often called hard money loans, can be used for purchasing or ReFinancing non-owner occupied residential properties, funding renovation projects, and financing long-term rentals.
(703) 750-4394 https://www.truenergyfcu.org/ 2371 miles Lender's profile and map Reviews TruEnergy Federal Credit Union 6801 Industrial Road, Springfield, VA, 22151 Since 1939, TruEnergy Federal Credit Union (formerly Washington Gas Light Federal Credit Union) has been a not-for-profit, member-owned financial cooperative. Every TruEnergy FCU member owns an equal share of the credit union, allowing us to offer lower loan rates and higher dividend yields.
(703) 734-0963 https://www.abcunitedfinance.com/ 2371 miles Lender's profile and map Reviews ABC United Finance Corp 7777 Leesburg Pike, Suite 400N, Falls Church, VA, 22043 ABC United Finance mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
(877) 572-2004 https://www.loansteady.com/ 2371 miles Lender's profile and map Reviews Loansteady LLC 7115 Leesburg Pike, Suite 208, Falls Church, VA, 22043 Loansteady, we believe in bringing a much-needed dose of humanity to the mortgage process. We’re built on decades of experience, and the idea that price and convenience should not come at the expense of dedicated service. Small-by-design, we’re able to work with greater agility while remaining fully focused on what’s most important – people.
(703) 348-0549 http://washingtoncapitalpartners.com/ 2371 miles Lender's profile and map Reviews Washington Capital Partners 2815 Hartland Rd, Suite 200, Falls Church, VA, 22043 "WCP was founded on a mission to change the lending industry. In 2012 we set out to rewrite the rules of hard money lending, focusing on streamlined technology, exceptional customer service, and assembling an all-star team. Today we keep our business local to DC, Maryland, and Virginia where we can provide proven expertise.
(703) 776-2700 https://www.healthcarefcu.org// 2372 miles Lender's profile and map Reviews Healthcare Systems Federal Credit Union 3300 Gallows Road, Falls Church, VA, 22042 We are Healthcare Systems Federal Credit Union. The term “credit union” can be confusing, so here's a little bit more about what we are and what we believe. We have the same financial services as a bank, with a few major differences; Our members own this financial institution; banks are owned by their stockholders.
(808) 964-1031 https://www.onomeafcu.org/ 2372 miles Lender's profile and map Reviews Onomea Federal Credit Union 27-251 Old Mamalahoa Highway, Papaikou, HI, 96781 "Onomea Federal Credit Union has been open since 1939. The credit union has assets totaling $22.25 Million and provides banking services to more than 2,000 members. The credit union is a community-based financial institution. People living, working, or worshipping in the credit union's geographic area can become a member"
(703) 992-0286 https://www.cfsimortgage.com/ 2372 miles Lender's profile and map Reviews Commonwealth Financial Services Inc 210 East Broad Street, Suite 203, Falls Church, VA, 22046 At Commonwealth Financial Services inc we strive to make you a client for life. We want to be your first choice each and every time you need a home loan. We always try to go above and beyond for you so that you will always feel confident referring your family and friends to us for their mortgage financing needs.
(202) 810-2271 http://congressionalcap.com/ 2372 miles Lender's profile and map Reviews Congressional Capital 125 N Washington St, Falls Church, VA, 22046 Congressional Capital, LLC is the leading hard money lender in DC, dedicated to providing fast and flexible direct, private loans to DC developers and borrowers. The lending experts at Congressional Capital provide full spectrum services related to private/hard money real estate transactions
(315) 568-5855 https://www.mygenbank.com/ 2372 miles Lender's profile and map Reviews Generations Bank 20 East Bayard Street, Seneca Falls, NY, 13148 Generations Bank was established in 1870 as Seneca Falls Savings Bank—a New York chartered mutual savings bank. In 2012, the bank’s name and the insurance agency’s name were changed to Generations Bank and Generations Agency respectively. In January 2021, Generations Bank's holding company reorganized as a fully public stock holding company.
(301) 215-7310 http://www.whmortgage.com 2372 miles Lender's profile and map Reviews WH Mortgage 6500 Rock Spring Drive, Suite 204, Bethesda, MD, 20817 Washington Home Mortgage is an independent mortgage broker company, long-established and highly-respected throughout the D.C./Maryland community for over 20 years. We work with a wide variety of lenders, allowing us to obtain the best possible rates and finanical outcomes for our clients.