Question 1

What is the FHA loan limit in Stanislaus County?

Accepted Answer

HUD sets county-level limits annually. Check HUD's site or ask us directly for the current Stanislaus County cap.

Question 2

Can I use FHA to buy in Patterson with bad credit?

Accepted Answer

Yes — 500 is the minimum score FHA allows. You'll need 10% down between 500–579, and lender overlays may set higher minimums.

Question 3

Does FHA mortgage insurance ever go away?

Accepted Answer

Not automatically with less than 10% down. You'd need to refinance into a conventional loan once you have enough equity.

Question 4

Can a seller pay my closing costs on an FHA loan?

Accepted Answer

Yes. FHA allows sellers to contribute up to 6% of the purchase price toward your closing costs and prepaids.

Question 5

How long does FHA approval take in Patterson?

Accepted Answer

Most FHA purchases close in 30–45 days. Your timeline depends on appraisal scheduling and how fast docs come in.

Question 6

Is FHA better than conventional for first-time buyers here?

Accepted Answer

It depends on your credit. FHA wins below 680. Above that, conventional often costs less over time due to MIP rules.

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