Question 1

What is the FHA loan limit in San Benito County?

Accepted Answer

HUD sets county-specific limits each year. Check the current HUD table or ask us — limits change and directly affect your max purchase price.

Question 2

Can I use FHA to buy a duplex in Hollister?

Accepted Answer

Yes, FHA covers 2-4 unit properties. You must live in one unit as your primary residence.

Question 3

Does FHA mortgage insurance ever go away?

Accepted Answer

Not if you put less than 10% down — it stays for the loan's life. Put 10% or more down and MIP drops after 11 years.

Question 4

How long does FHA approval take in Hollister?

Accepted Answer

Most FHA loans close in 30-45 days. A clean file with no appraisal issues moves faster.

Question 5

Can I get FHA with a recent bankruptcy?

Accepted Answer

Chapter 7 requires a 2-year wait after discharge. Chapter 13 may qualify after 12 months of on-time payments with trustee approval.

Question 6

Is Hollister a good fit for FHA buyers?

Accepted Answer

It can be. The market is more accessible than coastal California. FHA's flexibility on credit and down payment fits many buyers here.

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