Question 1

What is a community mortgage program?

Accepted Answer

It's a specialized loan built for underserved borrowers. Qualification criteria are more flexible than conventional loans.

Question 2

Does Calipatria qualify for USDA loans?

Accepted Answer

Imperial County rural areas often meet USDA eligibility. We verify your specific address before assuming anything.

Question 3

Can I combine a community mortgage with down payment assistance?

Accepted Answer

Yes, many programs allow stacking with CalHFA or local DPA. The guidelines vary by program, so we check each combination.

Question 4

What credit score do I need?

Accepted Answer

Many community programs accept scores below 640. The floor depends on which specific program you're applying under.

Question 5

Are these programs only for first-time buyers?

Accepted Answer

Not always. Some are open to repeat buyers in targeted areas. Calipatria's designation can expand eligibility.

Community Mortgages in Calipatria, CA