Question 1

What is a community mortgage program?

Accepted Answer

It's a loan designed for underserved markets with flexible credit and income rules. Not one product — a category of programs with varying terms.

Question 2

Does Avenal qualify for community mortgage programs?

Accepted Answer

Yes. Kings County's rural, underserved status makes Avenal buyers eligible for several targeted programs. Availability depends on current lender offerings.

Question 3

Can I combine community mortgage programs with down payment assistance?

Accepted Answer

Often yes. Many community programs allow stacking with CalHFA or local grants. We structure these combinations regularly.

Question 4

How is this different from an FHA loan?

Accepted Answer

FHA is a government-backed product with fixed rules. Community programs vary by lender and can offer different terms, fees, or income flexibility.

Question 5

What credit score do I need?

Accepted Answer

It varies by program. Some accept scores below the FHA minimum of 580. We match you to programs that fit your actual credit profile.

Question 6

Should I look at USDA loans too?

Accepted Answer

Absolutely. Avenal's rural designation may make you eligible for USDA zero-down financing. We compare both before recommending a path.

Community Mortgages in Avenal, CA