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FHA Loans in Maywood
Can I get an FHA loan in Maywood with a fair credit score?
Yes — FHA requires a minimum 580 representative credit score for a primary residence. Scores at or above that qualify, though rates vary by borrower profile and market conditions.
01
Maywood's median home price sits at $900,000, with 28 active listings and homes spending 53 days on market. At $332 per square foot, the market is pricing steadily.
On the quoted $777,202 purchase scenario, FHA financing puts just $27,202 down. Your monthly payment runs $4,497 for principal and interest alone.
6.00%
Interest rate (30-day lock)
$4,497
Monthly P&I on $750K
580
Minimum credit score
3.5%
Down payment required
$1,249,125
2026 FHA loan limit
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 at least 3.5 percent down.
Your housing debt-to-income ratio cannot exceed 31 percent, and your total debt-to-income ratio cannot exceed 43 percent. Both are measured against your gross monthly income.
Local decision guide
Use this guide to connect fha loans eligibility, lender expectations, and local market factors before comparing payment options in Maywood.
Maywood's median home price sits at $900,000, with 28 active listings and homes spending 53 days on market. At $332 per square foot, the market is pricing steadily.
On the quoted $777,202 purchase scenario, FHA financing puts just $27,202 down. Your monthly payment runs $4,497 for principal and interest alone.
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 at least 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 are written by retail banks, credit unions and mortgage brokers across California. SRK CAPITAL shops FHA loans across its wholesale lender network to find the best fit for your profile and the property.
Underwriting focuses on your credit history, income documentation and the property's condition. FHA appraisers are strict about safety and habitability. SRK CAPITAL closes FHA loans in 17 to 21 days, or 10 days when a file is expedited.
04
FHA makes sense in Maywood when your credit is solid but your down payment is tight. At $900,000 median price and 3.5 percent down, you're buying a real home, not waiting for savings to pile up.
The tradeoff is mortgage insurance for the life of the loan at this down payment level. On this scenario, that's $438 monthly. It's real cost, but the lower rate and down payment often pencil better than conventional over the first five years.
05
Conventional loans at this price typically ask for more down and read credit more strictly. FHA's 3.5 percent down opens the door faster for buyers in Maywood.
Both carry mortgage insurance when down payment is low. FHA's insurance runs for the life of the loan; conventional's cancels at 78 percent LTV. The monthly cost differs, but FHA's lower rate often wins on total payment.
06
LAUSD faces heightened fiscal oversight from LA County, with budget pressures that could affect school spending and programs. The Los Angeles Times reported the district must submit detailed budget cut plans or risk county takeover.
Maywood families should factor school stability into their long-term plans. Home values in strong school districts tend to hold better, so this is worth monitoring as you commit to the area.
FAQ
Yes — FHA requires a minimum 580 representative credit score for a primary residence. Scores at or above that qualify, though rates vary by borrower profile and market conditions.
Principal and interest run $4,497 monthly. Add $810 property taxes, $246 insurance and $438 mortgage insurance for a total PITIA of $5,991. Rates vary by borrower profile and market conditions.
No — FHA mortgage insurance runs for the life of the loan when you put down less than 10 percent. At 3.5 percent down, you'll carry it for the entire 30-year term.
The 2026 FHA limit for Los Angeles County is $1,249,125. Maywood's median price of $900,000 sits well below that cap.
SRK CAPITAL closes FHA loans in 17 to 21 days. Expedited files close in 10 days when conditions are met early.
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.