Question 1

Can I switch from FHA to conventional later?

Accepted Answer

Yes — once you build enough equity and improve your credit, you can refinance into a conventional loan. That removes ongoing FHA mortgage insurance.

Question 2

Which loan has lower monthly payments in Brawley?

Accepted Answer

It depends on your rate and mortgage insurance. Conventional can be cheaper monthly if you have strong credit. We model both scenarios before you decide.

Question 3

Does FHA work for fixer-uppers in Imperial County?

Accepted Answer

Yes, through the FHA 203k rehab loan. It rolls purchase and renovation costs into one loan. Standard FHA requires the home to meet condition guidelines.

Question 4

What credit score do I need for each loan?

Accepted Answer

Conventional typically requires 620 or higher. FHA allows 580 with 3.5% down, or as low as 500 with 10% down depending on the lender.

Question 5

Are FHA loan limits high enough for Brawley home prices?

Accepted Answer

FHA sets county-level limits for Imperial County annually. Contact us to confirm current limits match the purchase price you're targeting.

Conventional vs FHA Loans in Brawley, CA