Question 1

What credit score do I need for FHA in Twentynine Palms?

Accepted Answer

You need a 580 score for 3.5% down. Scores between 500-579 require 10% down.

Question 2

Can active duty Marines at MCAGCC use FHA loans?

Accepted Answer

Yes, but compare VA first. VA has no down payment and no mortgage insurance — it usually costs less.

Question 3

Do FHA loans work on desert properties with wells?

Accepted Answer

FHA allows wells and septic but requires inspections. The property must meet FHA minimum condition standards.

Question 4

How much is FHA mortgage insurance?

Accepted Answer

There's a 1.75% upfront fee rolled into your loan. Annual MIP varies but typically runs 0.55% for most buyers.

Question 5

Is Twentynine Palms eligible for USDA loans?

Accepted Answer

Parts of the area may qualify for USDA rural eligibility. Check the USDA eligibility map before committing to FHA.

Question 6

What is the FHA loan limit in San Bernardino County?

Accepted Answer

San Bernardino County has a set FHA limit for single-family homes. Most Twentynine Palms properties fall well below that ceiling.

FHA Loans in Twentynine Palms, CA