Question 1

What credit score do I need for FHA in Hesperia?

Accepted Answer

580 gets you 3.5% down. Between 500-579, you need 10% down. Below 500, FHA won't work.

Question 2

Can I use FHA to buy a home with a well or septic?

Accepted Answer

Yes, but FHA requires the systems to meet health and safety standards. Budget for a separate well or septic inspection.

Question 3

Does FHA mortgage insurance ever go away?

Accepted Answer

Not with 3.5% down — it's permanent. Put 10% down and MIP drops off after 11 years.

Question 4

How does FHA compare to USDA in Hesperia?

Accepted Answer

USDA has no down payment and no monthly mortgage insurance. Check if your target property falls in a USDA-eligible zone.

Question 5

Can I use FHA for a rental property in Hesperia?

Accepted Answer

No. FHA requires owner occupancy. You must live in the home as your primary residence.

Question 6

What is the FHA loan limit for San Bernardino County?

Accepted Answer

FHA sets county-level limits updated annually. Contact SRK CAPITAL for the current limit that applies to your purchase.

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