Question 1

What is the FHA loan limit in Tulare County?

Accepted Answer

Tulare County follows the standard FHA loan limit for 2026. Check current HUD limits — they adjust annually and cap what you can borrow.

Question 2

Can I use FHA to buy a duplex in Exeter?

Accepted Answer

Yes. FHA covers 2-4 unit properties if you occupy one unit. Multi-unit loan limits are higher than single-family.

Question 3

How long after bankruptcy can I get an FHA loan?

Accepted Answer

Chapter 7 requires a 2-year wait from discharge. Chapter 13 may qualify after 12 months of on-time plan payments.

Question 4

Does FHA require a home inspection in Exeter?

Accepted Answer

FHA requires an appraisal, not a full inspection. But hire an independent inspector — appraisers miss things.

Question 5

Can self-employed borrowers in Exeter get FHA loans?

Accepted Answer

Yes, but you need two years of self-employment tax returns. Lenders average your net income — write-offs hurt your qualifying income.

Question 6

Is USDA or FHA better for Exeter home buyers?

Accepted Answer

USDA wins on cost if the property qualifies. We check USDA eligibility first — if it works, it beats FHA almost every time.

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