Question 1

What credit score do I need for an FHA loan in Whittier?

Accepted Answer

You need 580 for 3.5% down or 500 for 10% down. Some lenders add overlays requiring 620, but we find lenders that follow FHA minimums.

Question 2

How much can I borrow with an FHA loan in Whittier?

Accepted Answer

The limit is $806,500 for single-family homes in Los Angeles County. That covers most Whittier properties except premium areas like Friendly Hills.

Question 3

Can I use FHA to buy a Whittier condo?

Accepted Answer

Yes, but the HOA must be FHA-approved. Non-approved condos won't qualify even if you meet all other requirements.

Question 4

Does FHA mortgage insurance ever go away?

Accepted Answer

Not if you put down less than 10%. You'll need to refinance to conventional once you hit 20% equity to drop the insurance.

Question 5

Why do FHA appraisals require repairs in Whittier?

Accepted Answer

FHA appraisers flag health and safety issues common in older homes. Peeling paint, broken railings, and cracked windows must be fixed before closing.

FHA Loans in Whittier: Low Down Payments for First-Time Buyers