Question 1

What's the FHA loan limit in Imperial County?

Accepted Answer

FHA sets county-level loan limits each year. Check current limits with us directly — they determine your maximum purchase price with 3.5% down.

Question 2

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

Accepted Answer

Yes, through the FHA 203k rehab loan. It wraps purchase and renovation costs into one loan — useful for older El Centro inventory.

Question 3

Do I need to be a first-time buyer to use FHA?

Accepted Answer

No. FHA is open to any owner-occupant buyer. You just can't use it for investment properties.

Question 4

How long does FHA mortgage insurance last?

Accepted Answer

On most FHA loans today, mortgage insurance lasts the full loan term. Refinancing into conventional later is the most common way to remove it.

Question 5

Can seasonal farm workers qualify for FHA in El Centro?

Accepted Answer

Often yes. FHA allows two-year histories of seasonal employment. A tax return history showing consistent work helps the file significantly.

Question 6

Is FHA or USDA better for El Centro buyers?

Accepted Answer

USDA requires zero down and no monthly mortgage insurance — but location eligibility applies. Run both scenarios before deciding.

FHA Loans in El Centro, CA — Low Down, Real Access