Question 1

What is the FHA loan limit in San Bernardino County?

Accepted Answer

San Bernardino County follows FHFA-designated limits updated annually. Check current limits before assuming a purchase price qualifies — limits vary by year.

Question 2

Can I use FHA on a manufactured home in Barstow?

Accepted Answer

FHA does allow manufactured homes, but the property must meet specific title and foundation requirements. Many desert-area manufactured homes don't qualify without upgrades.

Question 3

How long does FHA approval take in Barstow?

Accepted Answer

FHA closings typically run 30–45 days. Appraisal turnaround in smaller markets can add time, so lock your rate accordingly.

Question 4

Does FHA allow seller concessions in California?

Accepted Answer

Yes. FHA allows sellers to contribute up to 6% of the purchase price toward your closing costs. In Barstow's buyer-friendly pockets, this is worth negotiating.

Question 5

Can I buy an investment property with FHA in Barstow?

Accepted Answer

No. FHA requires owner occupancy. You must intend to live in the home as your primary residence within 60 days of closing.

Question 6

What credit score do I realistically need for FHA in Barstow?

Accepted Answer

FHA allows 580, but most lenders want 600–620 due to overlays. A broker with wholesale access gets closer to the true 580 floor. Rates vary by borrower profile and market conditions.

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