Question 1

What credit score do I need for a community mortgage in Loma Linda?

Accepted Answer

Minimums vary by program, but many accept scores below 640. Some go lower with compensating factors like steady employment or cash reserves.

Question 2

Do community mortgage programs have income limits?

Accepted Answer

Most do. Limits are set by area median income and family size. San Bernardino County AMI figures determine your cap.

Question 3

Can I use down payment assistance with a community mortgage?

Accepted Answer

Yes, many community programs are designed to layer with DPA grants or forgivable second loans. We match the combination that works best for you.

Question 4

Does the property in Loma Linda have to be in a specific area?

Accepted Answer

Some programs are census-tract-based. Loma Linda has tracts that qualify. We check property eligibility before anything else.

Question 5

Are community mortgages only for first-time buyers?

Accepted Answer

Not always. Some programs serve repeat buyers who meet income and area requirements. Ask us which programs you qualify for specifically.

Community Mortgages in Loma Linda, CA