Question 1

What is the minimum credit score for an FHA loan in Wasco?

Accepted Answer

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

Question 2

Can I use FHA to buy a home in Wasco with seasonal farm income?

Accepted Answer

Yes. FHA allows seasonal income with a two-year documented history. Your lender will average it over that period.

Question 3

Does FHA work for Wasco's home prices?

Accepted Answer

Yes. Most Wasco homes fall well under Kern County's FHA loan limit. The program is rarely a constraint here.

Question 4

How does FHA mortgage insurance work?

Accepted Answer

You pay 1.75% upfront at closing, plus an annual premium added to your monthly payment. On most FHA loans, it never cancels.

Question 5

Is USDA a better option than FHA in Wasco?

Accepted Answer

Often yes. Wasco is USDA-eligible and the program requires zero down. Income limits apply, so check both programs.

Question 6

How long does FHA approval take in Kern County?

Accepted Answer

Most FHA loans close in 30 to 45 days. The appraisal is the most common delay — FHA has strict property condition standards.

FHA Loans in Wasco, CA — Low Down, Real Approval