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FHA Loans in Inglewood
What's the monthly payment on an FHA loan for $750,000 in Inglewood?
At 5.875% interest on a $750,000 FHA loan, principal and interest run $4,437 per month. Add property taxes, insurance, and mortgage insurance for your total housing payment. Rates vary by borrower profile and market conditions.
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Inglewood's median home price is $909,500, down from earlier peaks. At 5.875% interest, a $750,000 FHA loan carries a $4,437 monthly payment for principal and interest.
The market shows 191 active listings and homes averaging 65 days on market. That slower pace gives buyers room to negotiate and compare options.
5.875%
Interest Rate
$4,437
Monthly Payment (P&I)
580
Minimum Credit Score
3.5%
Down Payment Required
02
FHA requires a minimum 580 representative credit score for a primary residence. You'll also need a maximum 96.5 percent loan-to-value ratio, which means 3.5 percent down.
Your housing debt-to-income ratio cannot exceed 31 percent for a primary residence. Your total debt-to-income ratio cannot exceed 43 percent for a primary residence.
Local decision guide
Use this guide to connect fha loans eligibility, lender expectations, and local market factors before comparing payment options in Inglewood.
Inglewood's median home price is $909,500, down from earlier peaks. At 5.875% interest, a $750,000 FHA loan carries a $4,437 monthly payment for principal and interest.
The market shows 191 active listings and homes averaging 65 days on market. That slower pace gives buyers room to negotiate and compare options.
FHA requires a minimum 580 representative credit score for a primary residence. You'll also need a maximum 96.5 percent loan-to-value ratio, which means 3.5 percent down.
Rate check
Tell us the price range, down payment and credit range you are working with. We compare every lender we work with and show you the options side by side.
03
FHA loans move through both retail banks and mortgage brokers. Brokers like SRK CAPITAL shop the loan across wholesale lender partners to find the best rate and terms.
Underwriting focuses on your credit history, income documentation and the property itself. FHA appraisers verify the home meets safety and livability standards. SRK CAPITAL closes FHA loans in 17 to 21 days, or 10 days when expedited.
04
FHA makes sense in Inglewood when you have solid credit but limited savings. The 3.5 percent down requirement opens the door to buyers who'd struggle to save more up front.
The trade-off is mortgage insurance for the life of the loan when you put down less than 10 percent. At $750,000, that's real money over 30 years, but it's the cost of entry for many first-time buyers here.
05
Conventional loans generally ask for more money down and a stronger credit score, though exact requirements vary by lender and product. FHA's 96.5 percent maximum LTV means 3.5 percent down, with a 580 minimum score for a primary residence.
Rate direction and mortgage insurance costs also differ between the two programs, and the tradeoff depends on your file. Call SRK CAPITAL for a live conventional quote to compare against your FHA numbers.
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LA County placed LAUSD under heightened fiscal oversight due to concerns about the district's ability to meet future financial obligations. That uncertainty may affect long-term property values for families buying in Inglewood.
The Paramount-Skydance merger could affect an estimated 2,495 local jobs, per LA County's own count. Job stability matters for mortgage qualification, so lock in your rate soon if your income ties to those industries.
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Inglewood's FHA lending market reflects California's broader demand for low-down-payment options. Brokers and retail lenders both compete on rate and service, giving borrowers choices.
Active listings at 191 homes suggest a balanced market, not a rush. That pace allows time for underwriting and appraisal without pressure to close early.
FAQ
At 5.875% interest on a $750,000 FHA loan, principal and interest run $4,437 per month. Add property taxes, insurance, and mortgage insurance for your total housing payment. Rates vary by borrower profile and market conditions.
No. FHA requires a minimum 580 representative credit score for a primary residence. Lenders review your full file—payment history, income stability, and debt load matter as much as the score itself.
No. FHA's maximum loan-to-value ratio is 96.5 percent for a primary residence, which equals 3.5 percent down. That's the lowest down payment FHA allows.
Yes, but only if you put down 10 percent or more. Below 10 percent down, mortgage insurance runs for the life of the loan. Refinancing to conventional is the only escape once you've built equity.
SRK CAPITAL closes FHA loans in 17 to 21 days standard. When a file is expedited, closing happens in 10 days. Speed depends on how quickly you submit documents and the appraisal timeline.
Programs for first-time buyers that allow lower down payments and more forgiving credit and income rules.
Explore refinancing options to lower your rate, tap equity, or switch loan terms.
SRK CAPITAL in Los Angeles County
Our team of licensed mortgage brokers works Los Angeles County every week. Tell us where you are in the process and we will map out the loan, the timeline and the money you need at closing, with no obligation.
What working with us looks like
Licensed mortgage brokers
You talk with a broker, not a call center, from the first question to closing day.
17-21 day typical close
Most purchase loans close in 17-21 days once your paperwork is in.
Every county in California
We work across the state, including Los Angeles County, so local limits and rules are already familiar.
Financing solutions for rental properties, fix-and-flip projects, and real estate portfolios.
Mortgage programs with alternative income documentation for business owners and freelancers.
Federally insured or guaranteed programs (FHA, VA, USDA) that let lenders accept lower credit scores and smaller down payments.
Traditional mortgage options meeting standard lending guidelines with various term structures.
Alternative lending programs for borrowers who need flexible documentation or unique loan structures.
Side-by-side comparisons to help you choose the right mortgage program.
This page is for educational purposes only and does not constitute financial, legal, or tax advice. Mortgage rates, terms, and program availability can change and vary by borrower and property. Consult a licensed mortgage professional for guidance on your scenario.