Question 1

What's the minimum credit score for FHA in Delano?

Accepted Answer

You need a 580 score for 3.5% down. Scores between 500 and 579 require 10% down instead.

Question 2

Can seasonal agricultural workers qualify for FHA?

Accepted Answer

Yes, with two years of documented seasonal income. FHA allows gaps if the pattern is consistent and verifiable.

Question 3

Does FHA mortgage insurance ever go away?

Accepted Answer

Not if you put less than 10% down — it stays for the life of the loan. Put 10% or more down and it drops after 11 years.

Question 4

Are USDA loans available instead of FHA in Delano?

Accepted Answer

Delano city limits may not qualify, but surrounding Kern County areas might. We check USDA eligibility on every deal before defaulting to FHA.

Question 5

How much can I borrow with an FHA loan in Kern County?

Accepted Answer

FHA loan limits are set by county and updated annually. We pull the current Kern County limit for every borrower we work with.

Question 6

What kills FHA deals on Delano properties?

Accepted Answer

Appraisal conditions kill deals most often. FHA appraisers flag peeling paint, broken windows, and missing utilities — get the home in solid shape first.

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