USDA and FHA Pro and Con in Tehachapi, Kern County, CA
For the year 2025, the limit set for USDA loans in Tehachapi, located within the county of Kern in CA, is $345,100. At the same time, the FHA loan limit for a single-family home is established at $472,030. These limits define the maximum amount you may borrow under these loan programs, which are critical for anyone looking to finance a new home.
Utilize the Lendersa® USDA loan calculator to effectively compare today's most favorable USDA and FHA loan rates. This tool guides you in evaluating necessary factors like income, credit requirements, financial reserves, and the documentation needed to qualify. With our sophisticated mortgage calculator, you get a comprehensive side-by-side view of USDA, FHA, Conforming, and VA options, which helps you select the best-suited program for your unique financial scenario, especially in .
2025 Details on Loan Limits and Downpayment Requirements in Tehachapi, Kern, CA
Loan Type
Maximum Loan Limit
Down Payment Required
USDA
$345,100
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Options in Tehachapi, CA
The objective of Lendersa® is to quickly secure the most suitable USDA or FHA loan for you without the typical inconveniences. You have the option to select from one of three starting approaches, each designed to connect you with lenders and USDA loan programs that match your specific needs.
The USDA home loan, insured by the U.S. Department of Agriculture, is also known as a USDA rural development loan or USDA mortgage. This type of loan is only available in rural localities. It offers a distinct advantage over FHA loans, which require a minimum 3.5% down payment, by not requiring any down payment, thereby enabling a broader range of potential homebuyers to secure housing in rural regions.
4 Hutton Centre Drive, Suite 1000, Santa Ana, CA, 92707
"At Kind Lending, our family of diverse and talented Kind Ambassadors are the driving force behind our new approach to the mortgage experience. They're the heart and soul of the organization and our ""People Before Profits"" mentality shines through in every department.
We continue to grow rapidly and have several open positions to fill."
6 Hutton Centre Drive, Suite 1030, Santa Ana, CA, 92707
LoanLock is a premier mortgage lender headquartered in sunny Southern California. We lend in multiple states across the nation and assist everyone from first-time homebuyers to seasoned real estate investors. As a direct lender, we process and underwrite your loans on-site, so approval decisions are faster.
In the old days, you'd go down to your local bank to get the funding you need. Now, it's almost impossible to get the money you need without all the red tape. We’ve simplified the process. Are you looking for a Line of Credit, Term Loan or to Rehab? Apply for our business loan in minutes, without painful paperwork or run around.
402 West Stevens Avenue, Apartment D, Santa Ana, CA, 92707
"In 2013, I started Front Door Funding so that I could provide a better service to my existing mortgage clients and to enjoy the freedom of owning my own business.
By taking direct control over loan processing, I have been able to provide immediate and accurate closing estimates for my customers and their Real Estate Agents."
4 Hutton Centre Drive, Suite 760, Santa Ana, CA, 92707
William Lyon Mortgage share William Lyon Homes’ passion for excellence and service. In addition to servicing our new home clients, our seasoned team also offers an array of available options to new and existing clients including: purchase loans for resale homes, mortgage refinance options, 203K home repair loans, Foreign National loan programs.
5 Hutton Centre Drive, Suite 200, Santa Ana, CA, 92707
"Nations Direct is not just a lender -we’re your partner for prosperity. We’re continually innovating to offer our partners the highest quality service, the most competitive rates and the most efficient processes in the wholesale lending industry.
Nations Direct Mortgage specializes in residential lending,"
4 Hutton Centre Dr., Suite 500, Santa Ana, CA, 92707
HMAC must have unlimited growth potential. In order to achieve this, there should be a dedication to ensuring that there is large capital infusion which can help promote warehouse line capacity, start-up capital, and reserves that are required by the state and agencies guidelines
567 Camino Mercado, Suite C, Arroyo Grande, CA, 93420
Founded in 1990, EquityReach Mortgage Solutions is a full-service mortgage banking company offering an extensive selection of Conventional, Government, Bond Programs, Jumbo and Reverse Mortgage real estate loans. EquityReach Mortgage Solutions is a division of Golden Empire Mortgage, Inc, one of the most successful.
556 Camino Mercado, Suite C, Arroyo Grande, CA, 93420
ZS Mortgage Group is one of the top lending teams in the country. We are dedicated to providing our clients Next-Level service and a holistic approach to the mortgage process.
We are team of top-notch professionals who provide a level of service beyond the typical mortgage experience.
