Question 1

What income counts for community mortgage programs in Sanger?

Accepted Answer

W-2 wages, documented self-employment income, and verifiable agricultural earnings all count. Most programs require two years of consistent income history.

Question 2

Can I use a community mortgage for a Sanger investment property?

Accepted Answer

No. Community mortgage programs require you to live in the home as your primary residence. Investment properties need conventional or portfolio financing.

Question 3

Do community mortgages have income limits in Fresno County?

Accepted Answer

Most programs cap income at 80-120% of area median, but limits vary by specific program. Some borrowers earning $90,000+ still qualify depending on household size.

Question 4

How much down payment do I need for a Sanger community mortgage?

Accepted Answer

Down payments start at 3% of the purchase price. Some programs offer grants or forgivable loans that cover part or all of the down payment.

Question 5

Can seasonal farm workers qualify for community mortgages?

Accepted Answer

Yes, if you have two years of consistent seasonal work history. We document the pattern and average your income across the full year.

Community Mortgages in Sanger: Flexible Financing for Local Homebuyers