Question 1

What is the FHA loan limit for Riverside County?

Accepted Answer

Riverside County follows standard FHA conforming limits. Check current limits with us directly, as they adjust annually.

Question 2

Can I use FHA to buy a manufactured home in Blythe?

Accepted Answer

Yes, FHA finances manufactured homes meeting HUD standards. The home must be on a permanent foundation and titled as real property.

Question 3

Does FHA mortgage insurance ever go away?

Accepted Answer

On most 30-year FHA loans with less than 10% down, MIP stays for the life of the loan. Refinancing to conventional later is the main exit.

Question 4

How long does FHA approval take in Blythe?

Accepted Answer

Expect 30–45 days from application to close in most cases. Having your documents ready upfront cuts that down significantly.

Question 5

Can my down payment be a gift on an FHA loan?

Accepted Answer

Yes. FHA allows the full down payment to be gifted from a family member. The gift must be documented with a signed letter and transfer proof.

Question 6

Will FHA work if I'm self-employed in Blythe?

Accepted Answer

Yes, with two years of tax returns showing sufficient income. Lenders average the two years — a sharp income drop recently can hurt your qualifying amount.

FHA Loans in Blythe, CA — Low Down, Real Approval