USDA and FHA Pro and Con in Santa-Ynez, Santa Barbara County, CA
In the year 2025, the USDA loan ceiling in Santa-Ynez, situated within the county of Santa Barbara, CA is $528,000. Meanwhile, the FHA limit for a single-family home is designated at $660,100.
Utilize the Lendersa® USDA loan calculator to effectively compare the current USDA and FHA top rates, ensuring you understand the income, credit, reserves, and necessary documentation for qualification. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA loans side by side, assisting in selecting the ideal program for your unique financial context in Alabama.
Details of 2025 loan limits and down payment requirements in Santa-Ynez, county of Santa Barbara, CA
Loan Category
Maximum Amount
Initial Down Payment
USDA
$528,000
0%
FHA
$660,100
3.5%
Conventional Conforming
$660,100
3%
Discover USDA and FHA loan offerings in Santa-Ynez, CA
Lendersa® aims to facilitate securing the best USDA or FHA loan quickly and without stress. You can start by selecting one of three pathways to connect you with lenders providing USDA loan programs.
A USDA home loan is backed by the Department of Agriculture, otherwise known as a USDA rural development loan or USDA mortgage. This loan is only offered in rural areas. Unlike FHA loans, which require at least a 3.5% down payment, the USDA loan requires no down payment at all.
County Schools Federal Credit Union is a member owned financial institution whose staff and volunteers are committed to operating a financially sound credit union by providing our members financial services of the highest quality and security with personal and professional integrity while pursuing sound.
1280 S. Victoria Avenue, Suite 180, Ventura, CA, 93003
Landmark Financial is a Ventura, California based mortgage company that has been in business since 1995. Our loan originators and staff provide our clients with the best possible loan experience. To that end, we have been voted best mortgage lender in the west Ventura county the last 6 of 7 years by the readers of the Ventura County Star.
At Mortgage Professionals Group, we strive to define ourselves by our client’s expectations. We believe they need to begin high. From your initial contact through to a satisfied close, we believe you need to experience an extraordinary combination of choice, speed, price and service.
The mission of SESLOC Federal Credit Union is to be the financial institution and employer of choice in our community Ten San Luis Obispo residents gathered in 1942 to discuss forming a credit union. They wanted to provide a way for people of ordinary means to borrow at reasonable interest rates under thoroughly honest and fair conditions
We have the ability to function as a mortgage lender and a mortgage broker, we are able to shop around for the lowest mortgage rates available. We provide a full range of home loan products and all of our Mortgage Consultants are dedicated to finding the right loan, with the best terms, to meet our clients' unique needs.
CBC Federal Credit Union was established in March of 1952 by a small group of civilian employees working as civil engineers at the Construction Battalion Center (CBC) in Port Hueneme, California, to serve the savings and borrowing needs of the civil employees on base. They applied for and received approval for a Federal Credit Union charter.
183 Montgomery Avenue, 2nd Floor, Oxnard, CA, 93036
Loan Warehouse was created out of the need for our local community of borrowers to have access to wholesale lenders with wholesale interest rates. We shop multiple lenders with one credit pull. You will have access to these lenders through our brokerage, Loan Warehouse, with multiple loan options. You deserve more than one rate & quote & option.
300 East Esplanade Drive, 9th Floor, Oxnard, CA, 93036
Nuris Dante is your premier mortgage expert located in Oxnard, California. She prides herself on offering some of the lowest rates nationwide and make the loan process simple, straightforward and fast for borrowers seeking a mortgage in the Oxnard area. Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding.
300 E. Esplanade Drive, 9th Floor, Oxnard, CA, 93036
Westchester Financial offers comprehensive consultation to the homeowner or future homebuyer to ensure that, when the ideal conditions exist, you will be positioned to secure the best possible loan program to fit your unique needs Westchester Financial offers comprehensive consultation to the homeowner or future homebuyer.
"AltLender Mortgage specialty is Alt-Doc/Non-QM lending solutions in multiple states with a pledge of providing the lowest interest rates offered by any competitor with similar guidelines.
Our programs are ideal for:
• Self-Employed borrowers who have too many write-offs on their tax returns"
1000 Town Center Drive, Suite 300, Oxnard, CA, 93035
Bluestar Funding works for you. When you need a home loan to buy a house or refinance a property, Bluestar Home Loans will help. We opened our locally owned mortgage broker in 2002. Getting to work with homeowners is exciting as we get to help people through the mortgage process, bring you the best interest rate and closing costs,
Valley Ag Federal Credit Union your personal privacy is very important. We recognize that whether you are an existing member or are considering a relationship with us, you have an interest in how we collect, retain & use information about you & your relationship with us. In order to provide our members with services as effectively & conveniently.
