Question 1

Can I use FHA to buy in Livingston with a 550 credit score?

Accepted Answer

Yes, but you'll need 10% down instead of 3.5%. Lenders may also apply stricter overlays — not every lender funds below 580.

Question 2

Does FHA work for manufactured homes in Merced County?

Accepted Answer

Yes, FHA has a specific program for manufactured homes. The home must be on a permanent foundation and meet HUD standards.

Question 3

How long does FHA approval take in Livingston?

Accepted Answer

Expect 30-45 days from application to close. FHA appraisals take extra time — property condition can slow things down.

Question 4

Can I use FHA if I'm self-employed or work seasonal farm jobs?

Accepted Answer

Yes. You need two years of tax returns showing consistent income. Seasonal work qualifies if it's in the same field.

Question 5

Is USDA better than FHA for Livingston buyers?

Accepted Answer

Check USDA eligibility first. If the property qualifies, USDA gives you zero down — that's a stronger deal than FHA's 3.5%.

Question 6

What credit score gets me the best FHA rate in Livingston?

Accepted Answer

720 and above typically lands the best pricing. FHA allows lower scores, but lenders tier their rates — higher score means lower cost.

FHA Loans in Livingston, CA — Low Down, Real Access