Question 1

Can I use a USDA loan to buy in Aliso Viejo?

Accepted Answer

Most of Aliso Viejo falls outside USDA-eligible zones. Check your specific address on the USDA eligibility map before proceeding.

Question 2

What is the income limit for USDA loans in Orange County?

Accepted Answer

Limits vary by household size and are set by USDA annually. Orange County's high incomes make it common for buyers to exceed the cap.

Question 3

Does USDA require mortgage insurance?

Accepted Answer

USDA charges an upfront guarantee fee and an annual fee. Both are lower than FHA mortgage insurance premiums.

Question 4

What credit score do I need for a USDA loan?

Accepted Answer

Most USDA lenders want a 620 minimum. Scores above 640 tend to move through underwriting faster.

Question 5

What are my alternatives if USDA doesn't work here?

Accepted Answer

FHA, VA, and low-down Conventional loans are all strong options in Aliso Viejo. We can compare them side by side.

USDA Loans in Aliso Viejo — What You Need to Know