Loading
Loading
Blythe sits at the eastern edge of Riverside County, right on the Arizona border. Home prices here run well below the California average, which makes FHA loans a strong fit.
FHA's floor loan limits still cover most Blythe purchases comfortably. You don't need a jumbo loan or a massive down payment to buy here.
580 (3.5% down)
Min Credit Score
3.5%
Min Down Payment
Up to 50% w/ factors
Max DTI
Yes — upfront + monthly
MIP Required
30–45 days
Typical Close Time
FHA Loans in Blythe
FHA requires a 580 credit score for 3.5% down. Drop below 580 but stay above 500, and you'll need 10% down instead.
Your debt-to-income ratio — total monthly debts divided by gross income — should stay under 43%. Some lenders push to 50% with strong compensating factors.
Local decision guide
Use this guide to connect fha loans eligibility, lender expectations, and local market factors before comparing payment options in Blythe.
Blythe sits at the eastern edge of Riverside County, right on the Arizona border. Home prices here run well below the California average, which makes FHA loans a strong fit.
FHA's floor loan limits still cover most Blythe purchases comfortably. You don't need a jumbo loan or a massive down payment to buy here.
FHA requires a 580 credit score for 3.5% down. Drop below 580 but stay above 500, and you'll need 10% down instead.
FHA loans are government-insured, but private lenders set their own overlays — extra requirements on top of FHA minimums. A retail bank may cut off at 620 while a wholesale lender approves at 580.
That gap matters in a smaller market like Blythe. We shop across 200+ wholesale lenders, so borrowers here aren't stuck with whoever has a branch in town.
Blythe has a high share of self-employed and agricultural workers. FHA handles variable income well — two years of tax returns and we can usually make it work.
One thing buyers miss: FHA charges mortgage insurance premium (MIP) for the life of the loan on most cases. If your score is above 680, run the numbers on conventional too.
USDA loans cover parts of Blythe and offer zero down — but income limits and property eligibility apply. If you qualify, USDA often beats FHA on monthly cost.
VA loans are the other major competitor. If you've served, VA's no-MIP structure almost always wins. FHA is the right call when USDA and VA aren't on the table.
Desert climate means appraisers look hard at HVAC systems and roof condition. FHA appraisals have minimum property standards — a broken AC in Blythe heat can kill a deal.
Property condition matters more with FHA than conventional. Sellers in Blythe sometimes resist FHA offers because of repair requirements. A strong pre-approval letter helps counter that.
Riverside County follows standard FHA conforming limits. Check current limits with us directly, as they adjust annually.
Yes, FHA finances manufactured homes meeting HUD standards. The home must be on a permanent foundation and titled as real property.
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.
Expect 30–45 days from application to close in most cases. Having your documents ready upfront cuts that down significantly.
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.
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.