Question 1

What is the FHA loan limit in LA County?

Accepted Answer

LA County is a high-cost area. The FHA limit here is well above the national baseline — check current limits before you shop.

Question 2

Can I use FHA to buy a condo in Agoura Hills?

Accepted Answer

Yes, but the condo complex must be on the FHA-approved list. We can check approval status before you make an offer.

Question 3

How much is FHA mortgage insurance?

Accepted Answer

FHA charges an upfront premium of 1.75% of the loan. You also pay an annual premium split into monthly installments.

Question 4

Does FHA mortgage insurance ever go away?

Accepted Answer

On most FHA loans with less than 10% down, it lasts the life of the loan. Putting 10% down cuts it to 11 years.

Question 5

Will sellers in Agoura Hills accept FHA offers?

Accepted Answer

Some won't, but many will. A clean pre-approval and quick close timeline make your offer more competitive.

Question 6

Can I refinance out of FHA later?

Accepted Answer

Yes. Once you build equity, refinancing into a conventional loan removes the mortgage insurance. Many borrowers do exactly that.

FHA Loans in Agoura Hills, CA