USDA Vs. FHA Pro and Con comparison in Santa-Maria, Santa Barbara County, CA
For 2025, in Santa-Maria, county of Santa Barbara, located in CA, the USDA loan maximum is $528,000, compared to the FHA limit which is $660,100 for single-family homes.
Employ the Lendersa® USDA loan calculator to evaluate today's top USDA versus FHA interest rates. This tool helps ascertain the necessary income, credit, reserves, and documentation for eligibility. Our sophisticated mortgage calculator allows you to review USDA, FHA, Conforming, and VA options side by side, facilitating your decision on which program is ideal for your financial scenario in .
2025 Loan Ceilings and Initial Payment Requirements in Santa-Maria, Santa Barbara County, CA
Type of Loan
Maximum Loan
Initial Deposit
USDA
$528,000
0%
FHA
$660,100
3.5%
Conventional & Conforming
$660,100
3%
Explore USDA and FHA Loan Choices in Santa-Maria, CA
Lendersa® is dedicated to achieving the best USDA or FHA loan for you swiftly and with minimal hassle. Select from three initial paths that align you with suitable lenders and USDA loan plans.
USDA home loans, endorsed by the government under the Department of Agriculture, also referred to as USDA rural development loans or mortgages, are viable only in rural locales. Unlike FHA loans, which necessitate at least a 3.5% down payment, USDA mortgage loans require no down payment.
Woodlawn Federal Credit Union strive to offer services designed to improve the economic and social well-being of ALL of our members no matter the socio-economic background, and return financial value to all those who participate in our member owned financial cooperative. and also Woodlawn FCU is more committed than ever to helping people.
Our mission is to provide qualified individuals with high quality mortgage programs that are tailored to fit their unique situation at the most competitive rates in the nation. Anchor Financial Mortgage, Inc. is committed to delivering quality mortgages to our clients and lending partners.
Family Financial Group, Inc is a family owned and run company. I work with my brother, Luke. We are committed to making sure that every client is "treated like family." We are here to answer questions about the home buying process whether you are just starting out or buying your 10th property.
Foxpoint Lending is a private lender that delivers loans tailored for investment properties such as residential (non-owner occupied) and commercial real estate. We are based in Rhode Island, but partner with experienced real estate investors in multiple states.
Our loans are frequently termed asset-backed loans because they are backed by the col
Cornerstone Commercial Capital offers Commercial and Investment Property Loan's, Purchase Pre-Approvals,. Cash Out Blanket Loans, Fix & Flip loan's, Hard Money and More!Commercial Capital offers Commercial and Investment Property Loan's, Purchase Pre-Approvals,. Cash Out Blanket Loans, Fix & Flip loan's,
Norfolk Community Federal Credit Union was chartered on August 11, 1953. We are a federally chartered and insured credit union. A credit union is a not-for-profit, membership-owned financial institution. Known for its strong consumer-orientation, a credit union is organized to serve a community, a company or a municipality
In 1955, the credit union was founded by our first treasurer - manager; Ethel McNeil. She asked ten town employees to deposit $5.00 each into a savings account. These dedicated members received no dividends in their weekly deposits for a long time.Thus the credit union began with ten members and $50.00 in assets.
We're always looking for new talent to help us expand our pool of Executive Client Services. If you have a true passion for helping others live their dreams, we're where you want to be. We cultivate a selection of unique, stylish, timeless, and modern homes – befitting of our A-list clientele. Dealing in superlatives puts you in rare company.
In 1928, we were established on the principle of people helping people in our local communities. Today more than ever, we remain steadfast in our commitment to our members and the communities in which we all live and work.
Our employees are encouraged to give back to the community through our PCUnited volunteer initiative
At Seacoast, we are dedicated to always earning clients’ trust before their business. We consult with you, understand your needs and then help you choose the mortgage program that is best for you. Seacoast loan officers and dedicated support staff are here for you 24 hours a day, 7 days a week. Our line is always open.
Community & Teachers is a full service, not-for-profit cooperative financial institution that has been serving “Townies” for over 55 years. Founded in 1960 by eight teachers, the Credit Union was initially only able to extend membership if the person was employed by the school department.
