Question 1

Do I need a Social Security number to apply?

Accepted Answer

Not always. Some community mortgage programs accept ITIN borrowers. Ask about ITIN-specific loan options when you contact us.

Question 2

What credit score do I need in Calexico?

Accepted Answer

It depends on the program. Some community loans go below the standard 580 FHA floor. Rates vary by borrower profile and market conditions.

Question 3

Can I use cross-border income from Mexicali?

Accepted Answer

Some lenders accept it with proper documentation. Not every lender does — this is where having 200+ options matters.

Question 4

Are there down payment assistance programs here?

Accepted Answer

Yes. Imperial County borrowers can access state and local DPA programs. These often pair well with community mortgage products.

Question 5

How is a community mortgage different from FHA?

Accepted Answer

Community programs have more flexible underwriting than FHA. They're designed for borrowers FHA might still turn away.

Community Mortgages in Calexico, CA