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Calexico sits at the US-Mexico border in Imperial County — a community with deep roots and real homeownership gaps.
Community mortgage programs exist specifically for markets like this. Flexible guidelines help buyers who don't fit standard lending boxes.
Below standard minimums
Credit Flexibility
Yes, select programs
ITIN Eligible
Low to zero w/ DPA
Down Payment
Vary by profile
Rates
Community Mortgages in Calexico
These programs use flexible qualification criteria. Lower credit scores, limited credit history, and non-traditional income are common here.
Lenders in this space look at the full picture. Employment gaps and thin credit files don't automatically disqualify you.
Local decision guide
Use this guide to connect community mortgages eligibility, lender expectations, and local market factors before comparing payment options in Calexico.
Calexico sits at the US-Mexico border in Imperial County — a community with deep roots and real homeownership gaps.
Community mortgage programs exist specifically for markets like this. Flexible guidelines help buyers who don't fit standard lending boxes.
These programs use flexible qualification criteria. Lower credit scores, limited credit history, and non-traditional income are common here.
Most retail banks in Calexico won't offer these programs at the counter. You need a broker with access to community-focused wholesale lenders.
At SRK CAPITAL, we work with 200+ wholesale lenders. Several specialize in exactly these underserved-market programs.
Most borrowers in Calexico who ask about community mortgages actually qualify for multiple programs. The key is knowing which to stack.
Down payment assistance layered onto a community mortgage can dramatically reduce cash to close. That combination is common in Imperial County deals.
FHA loans are the most common alternative. They require 3.5% down and a 580 credit score minimum — community programs can go lower.
USDA loans are worth checking in Imperial County. Parts of the area may qualify for zero-down rural financing.
Calexico has a high percentage of mixed-status and immigrant households. Community mortgage programs often accommodate ITIN borrowers.
Cross-border income — earned in Mexico, received in the US — can be a documentation challenge. Some community lenders have seen this before and know how to handle it.
Not always. Some community mortgage programs accept ITIN borrowers. Ask about ITIN-specific loan options when you contact us.
It depends on the program. Some community loans go below the standard 580 FHA floor. Rates vary by borrower profile and market conditions.
Some lenders accept it with proper documentation. Not every lender does — this is where having 200+ options matters.
Yes. Imperial County borrowers can access state and local DPA programs. These often pair well with community mortgage products.
Community programs have more flexible underwriting than FHA. They're designed for borrowers FHA might still turn away.