Question 1

Does all of Pico Rivera qualify for USDA loans?

Accepted Answer

No. Only certain addresses qualify based on USDA rural designation maps. Most of Pico Rivera sits outside eligible zones.

Question 2

What income limits apply for USDA loans in Pico Rivera?

Accepted Answer

Los Angeles County caps household income around $110,300 for most family sizes. All adults in the home count toward this limit.

Question 3

How long does USDA loan approval take in LA County?

Accepted Answer

Guaranteed USDA loans through lenders take 30-45 days. Direct government loans stretch to 60-90 days minimum.

Question 4

Can I use USDA financing on fixer-upper homes?

Accepted Answer

USDA requires properties meet minimum safety standards. Homes needing significant repairs rarely pass appraisal requirements.

Question 5

Do I need perfect credit for USDA loans?

Accepted Answer

Most lenders want 640 credit minimum. Some approve 620 scores but charge higher upfront guarantee fees.

USDA Loans in Pico Rivera: Zero Down Options for Suburban LA Buyers