Question 1

What is the FHA loan limit for Marin County?

Accepted Answer

Marin County qualifies for higher FHA limits as a high-cost area. Contact us for the current limit — it changes annually and directly affects what you can buy in Fairfax.

Question 2

Can I use FHA to buy a condo in Fairfax?

Accepted Answer

Yes, but the condo complex must be on HUD's FHA-approved list. Many Marin HOA communities are not approved, so verify before making an offer.

Question 3

How long does FHA mortgage insurance last?

Accepted Answer

With less than 10% down, FHA mortgage insurance stays for the life of the loan. You'd need to refinance into a conventional loan to remove it.

Question 4

Will a seller in Fairfax accept my FHA offer?

Accepted Answer

Some won't. Marin is competitive and some sellers prefer conventional financing. A well-structured offer and strong pre-approval letter improve your odds.

Question 5

What credit score do I need for FHA in Fairfax?

Accepted Answer

FHA allows 580 for 3.5% down, but individual lenders may require 620 or higher. We match you with lenders whose overlays fit your actual score.

Question 6

Is FHA the right loan for Fairfax home prices?

Accepted Answer

It depends on the property price and Marin's FHA limit. FHA works best on lower-priced Fairfax homes — jumbo-priced properties will exceed the limit.

FHA Loans in Fairfax, CA — Low Down, High Bar