Question 1

Do I need perfect credit for a community mortgage in Montclair?

Accepted Answer

No. These programs are built for borrowers outside standard credit boxes. Some have no hard minimum score requirement.

Question 2

Can I combine a community mortgage with down payment assistance?

Accepted Answer

Yes, and that's often the best move. San Bernardino County has DPA funds that pair well with community mortgage programs.

Question 3

Is Montclair eligible for these programs?

Accepted Answer

Yes. Montclair qualifies as an underserved community. That opens access to programs not available in higher-income California cities.

Question 4

How are community mortgages different from FHA loans?

Accepted Answer

FHA has fixed score and down payment minimums. Community programs can offer more flexibility on both, depending on the lender and program.

Question 5

Where do I find community mortgage lenders in San Bernardino County?

Accepted Answer

They're not at retail banks. A broker with wholesale access — like SRK CAPITAL — can match you to the right program fast.

Community Mortgages in Montclair, CA