Question 1

What is the FHA loan limit in Imperial County?

Accepted Answer

Imperial County falls in a standard-cost area. Limits are set below high-cost California counties — local prices rarely push up against them.

Question 2

Can I use FHA to buy a fixer-upper in Calipatria?

Accepted Answer

Yes — the FHA 203k rehab loan covers purchase and repairs in one loan. It's useful in older Calipatria housing stock.

Question 3

Does FHA work for seasonal agricultural workers?

Accepted Answer

FHA allows seasonal income with a two-year history. Lenders will average it — inconsistency alone won't kill your file.

Question 4

How long does FHA mortgage insurance last?

Accepted Answer

On most FHA loans today, MIP lasts the full loan term. Refinancing to conventional later is the main way to remove it.

Question 5

What credit score do I actually need for FHA in Calipatria?

Accepted Answer

FHA allows 500 minimum, but most lenders want 580+. Some wholesale lenders we access will go to 560 with compensating factors.

Question 6

Is USDA or FHA better for Calipatria buyers?

Accepted Answer

USDA wins on down payment if the property qualifies — zero down beats 3.5%. We check both programs on every Calipatria file.

FHA Loans in Calipatria, CA — Low Down, Real Access