Question 1

Can I qualify with seasonal farm work income?

Accepted Answer

Yes, community mortgages evaluate your annual income pattern rather than requiring steady monthly earnings. Two years of seasonal work history with the same employer or in the same field demonstrates income stability.

Question 2

What if I have limited credit history?

Accepted Answer

Community mortgage programs accept alternative credit evidence including rent receipts, utility payments, and insurance payments. Consistent payment of bills over 12 months can substitute for traditional credit scores.

Question 3

Do I need to speak English to apply?

Accepted Answer

No, many community mortgage lenders in Fresno County offer Spanish-language services and bilingual loan officers. Housing counseling is also available in multiple languages to support Huron's diverse population.

Question 4

How much money do I need for a down payment?

Accepted Answer

Community mortgages often require as little as three percent down, and down payment assistance programs can cover part or all of this amount. Some Huron buyers purchase homes with under $2,000 out of pocket.

Question 5

How long does the approval process take?

Accepted Answer

Community mortgages typically take 45-60 days due to manual underwriting and documentation review. Starting your application early and gathering paperwork promptly helps ensure a smooth closing timeline.

Community Mortgages in Huron: Flexible Financing for Fresno County Homebuyers