Question 1

What makes community mortgages different from FHA loans?

Accepted Answer

Community programs often have more flexible income and credit rules than FHA. They're designed specifically for underserved borrowers FHA still turns away.

Question 2

Can farmworkers in Dinuba qualify for these programs?

Accepted Answer

Yes. Many community mortgage programs accept seasonal and agricultural income. Proper documentation is key — lenders want two years of income history.

Question 3

Do I need a down payment for a community mortgage?

Accepted Answer

It depends on the program. Some require as little as 3% down. Others pair with down payment assistance grants available in Tulare County.

Question 4

What credit score do I need?

Accepted Answer

Requirements vary by program. Some community lenders approve borrowers below 620. A broker can match your score to the right program.

Question 5

Is Dinuba eligible for USDA loans too?

Accepted Answer

Parts of Dinuba may qualify for USDA rural housing loans. USDA and community programs serve different income profiles — knowing which fits you matters.

Question 6

How do I find lenders offering community mortgage programs?

Accepted Answer

Most retail banks don't carry them. A mortgage broker with wholesale lender access is your best route to finding active programs in Tulare County.

Community Mortgages in Dinuba, CA