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USDA Loans in Beverly Hills
Beverly Hills doesn't qualify for USDA financing. The program targets rural areas with populations under 35,000.
Every ZIP code in Beverly Hills falls outside USDA eligibility zones. The city's density and income levels disqualify it.
If you're set on zero down in Beverly Hills, VA loans work for veterans. FHA requires just 3.5% down for everyone else.
Most Beverly Hills buyers use conventional or jumbo financing. The high property values here exceed USDA loan limits anyway.
USDA loans require properties in designated rural zones. Beverly Hills doesn't meet that threshold by any measure.
The program also caps income at 115% of area median. Beverly Hills household incomes far exceed USDA maximums.
Even if location worked, most Beverly Hills homes cost more than the USDA loan limit. The program tops out at $766,550 in high-cost areas.
You need 640 credit minimum for USDA approval. Strong credit matters less when the property location disqualifies you outright.
No lender can approve a USDA loan in Beverly Hills. Eligibility comes from USDA zone maps, not lender flexibility.
We work with 200+ wholesale lenders across every program type. None can override USDA's geographic restrictions.
Some borrowers think portfolio lenders can bend USDA rules. They can't—the USDA guarantee depends on location compliance.
Your best move is exploring programs that actually work here. FHA, VA, and conventional loans all close in Beverly Hills daily.
I see borrowers chase USDA loans in ineligible cities every month. It wastes weeks before they pivot to workable options.
Check USDA eligibility before falling in love with the zero down feature. Most Los Angeles County cities don't qualify.
If low down payment matters most, compare FHA at 3.5% down versus conventional at 3% down. Both work in Beverly Hills.
Veterans should always check VA eligibility first. That's true zero down with better rates than USDA in most cases.
FHA loans require 3.5% down but work anywhere in Beverly Hills. No location restrictions apply.
Conventional loans hit 3% down for first-time buyers. You avoid the upfront funding fee USDA charges.
VA loans offer true zero down for veterans with no income limits. That beats USDA on every metric in this market.
Jumbo loans dominate Beverly Hills for good reason. Most properties here exceed conforming loan limits anyway.
Beverly Hills sits in the heart of urban Los Angeles County. USDA targets communities outside metropolitan statistical areas.
The city's population density alone disqualifies it. USDA needs areas with fewer than 35,000 people and rural character.
You'd need to drive 60+ miles from Beverly Hills to find USDA-eligible zones. At that point, your commute kills any savings.
Nearby cities like Culver City, West Hollywood, and Santa Monica are also ineligible. The entire Westside fails USDA's rural test.
No. Every ZIP code in Beverly Hills falls outside USDA-designated rural zones. The program excludes all urban Los Angeles County areas.
You'd need to go 60+ miles into Ventura or San Bernardino counties. At that distance, commute costs erase any loan benefits.
Location disqualifies you first, but yes—Beverly Hills incomes typically exceed USDA's 115% area median cap anyway.
VA if you're a veteran. FHA at 3.5% down or conventional at 3% down work for everyone else buying here.
No broker or lender can override USDA zone maps. Eligibility comes from the property address, not the lender relationship.
Mortgage financing for independent contractors and freelancers who earn 1099 income instead of traditional W-2 wages.
Mortgage programs that allow borrowers to qualify based on liquid assets rather than traditional employment income.
Non-QM loans that use 12 to 24 months of bank statements to verify income for self-employed borrowers.
Short-term financing that bridges the gap between buying a new property and selling an existing one.
Debt Service Coverage Ratio loans that qualify investors based on a rental property's income rather than personal income.
Mortgage programs designed for non-US citizens and non-permanent residents who want to purchase property in the United States.
Asset-based short-term loans primarily used by real estate investors for property acquisition and renovation projects.
Mortgages that allow borrowers to pay only the interest for an initial period, resulting in lower monthly payments upfront.
Financing solutions tailored for real estate investors purchasing rental properties, fix-and-flip projects, or investment portfolios.
Home loans for borrowers who have an Individual Taxpayer Identification Number instead of a Social Security number.
Adjustable rate mortgages held in a lender's portfolio rather than sold on the secondary market, offering more flexible terms.
Non-QM mortgages that use a CPA-prepared profit and loss statement to verify income for self-employed borrowers.
Home loans with interest rates that adjust periodically based on market conditions after an initial fixed-rate period.
Specialized mortgage programs designed to support homeownership in underserved communities with flexible qualification criteria.
Mortgages that meet the guidelines and loan limits set by Fannie Mae and Freddie Mac for secondary market purchase.
Financing for building a new home or making major renovations, typically converting to a permanent mortgage upon completion.
Traditional mortgage financing not backed by a government agency, offering flexible terms and competitive rates for qualified borrowers.
Innovative loan products that leverage projected home equity growth to provide favorable financing terms.
Government-insured mortgages from the Federal Housing Administration with low down payments and flexible credit requirements.
A revolving line of credit secured by your home equity that allows you to borrow funds as needed during a draw period.
A fixed-rate second mortgage that provides a lump sum of cash by borrowing against the equity built in your home.
Mortgages that exceed the conforming loan limits set by the FHFA, designed for financing high-value luxury properties.
Loans for homeowners aged 62 and older that convert home equity into cash without requiring monthly mortgage payments.
Government-guaranteed mortgages for eligible veterans, active-duty service members, and surviving spouses with zero down payment.