Question 1

What is the FHA loan limit for Orange County?

Accepted Answer

Orange County is a high-cost area with elevated FHA limits. Check with us directly — limits adjust periodically and your purchase price must stay under the cap.

Question 2

Can I use gift money for my FHA down payment in Seal Beach?

Accepted Answer

Yes. FHA allows 100% of your down payment to come from a gift. The donor must provide a signed gift letter and paper trail.

Question 3

How long does FHA mortgage insurance last?

Accepted Answer

With less than 10% down, MIP stays for the life of the loan. Put 10% or more down and it drops off after 11 years.

Question 4

Will an FHA loan work on an older Seal Beach home?

Accepted Answer

It can — but FHA appraisers flag safety and condition issues. Older coastal homes sometimes need repairs before the loan closes.

Question 5

Is FHA or conventional better for Seal Beach buyers?

Accepted Answer

Depends on your credit score and down payment. We run both scenarios side by side so you see the real cost difference before you decide.

Question 6

Can a self-employed borrower get an FHA loan?

Accepted Answer

Yes, but you'll need two years of tax returns showing consistent income. FHA uses your net income after deductions — that trips up some self-employed buyers.

FHA Loans in Seal Beach, CA — Low Down, Real Approval