Question 1

What is the FHA loan limit for Kings County?

Accepted Answer

FHA sets county-level loan limits annually. Kings County falls under the standard national baseline — confirm current limits with us before making an offer.

Question 2

Does FHA work for military buyers in Lemoore?

Accepted Answer

Yes, but VA is usually better for eligible borrowers. VA skips the monthly mortgage insurance that FHA requires, which saves real money over time.

Question 3

Can self-employed buyers use FHA in Lemoore?

Accepted Answer

Yes. Lenders will average your last two years of net income from tax returns. Strong 2024 and 2025 returns improve your qualifying income significantly.

Question 4

How long does FHA mortgage insurance last?

Accepted Answer

With less than 10% down, FHA MIP stays for the life of the loan. Refinancing into conventional later is how most borrowers eventually drop it.

Question 5

What credit score do I need for 3.5% down on FHA?

Accepted Answer

You need at least a 580 credit score. Below that, FHA requires 10% down — assuming you're still at 500 or above.

Question 6

Is FHA or USDA better for Lemoore home buyers?

Accepted Answer

USDA wins if the property is in an eligible zone and your income is under the limit — zero down beats 3.5%. We check both for every Kings County file.

FHA Loans in Lemoore, CA — Low Down, Flexible Credit