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USDA Loans in San Fernando
San Fernando sits inside Los Angeles County, which disqualifies most addresses from USDA eligibility maps. The program targets rural areas, and this incorporated city doesn't meet those criteria.
Borrowers here looking at zero-down financing should pivot to VA loans if military-affiliated or FHA with down payment assistance. Both work across San Fernando without geographic restrictions.
USDA loans require properties in USDA-designated rural zones. San Fernando's urban density and county location push it outside those boundaries entirely.
Even if the map showed eligibility, income limits cap at 115% of area median. For Los Angeles County, that ceiling creates tight restrictions for most working families.
We maintain access to lenders who close USDA loans across California, but they won't approve addresses here. The eligibility map kills deals before underwriting starts.
Some borrowers find fringe pockets in northern LA County that qualify. Those are typically 40+ miles from San Fernando in Antelope Valley or rural eastern zones.
We see San Fernando buyers chase USDA eligibility every month. The program sounds perfect—zero down, no PMI, competitive rates—but the address ends the conversation immediately.
Smart move: run CalHFA or county assistance programs alongside FHA. You get 3.5% down instead of zero, but deals actually close. VA borrowers should always use that benefit first.
FHA loans require just 3.5% down with 580 credit. For a $650,000 purchase, that's $22,750 versus zero. Pair FHA with California Dream for All or local assistance to cover that gap.
VA borrowers get zero down without geographic limits, no funding fee for disabled veterans, and rates that match or beat USDA. Military affiliation makes USDA irrelevant.
San Fernando's location 23 miles north of downtown LA puts it firmly in urban territory. The 2.4 square mile city borders Sylmar, Pacoima, and Mission Hills—all ineligible for USDA.
Buyers targeting affordability should explore nearby Lancaster or Palmdale. Those Antelope Valley cities have USDA-eligible zones with lower price points than San Fernando proper.
No. San Fernando addresses fall outside USDA-designated rural areas. The program requires properties in approved zones, and this city doesn't qualify.
Lancaster and Palmdale in Antelope Valley, about 40-45 miles north. Some rural eastern LA County pockets also qualify but sit even farther out.
VA loans offer zero down for military-affiliated buyers without location limits. FHA with down payment assistance programs can get you close.
Income limits don't matter since the city isn't geographically eligible. If it were, LA County's 115% area median cap would restrict many applicants.
Unlikely. USDA maps update every few years but focus on rural development. San Fernando's urban core and county location make future eligibility improbable.
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.