Question 1

What credit score do I need for a community mortgage in Porterville?

Accepted Answer

Requirements vary by program and lender. Many community programs accept scores below the conventional minimum of 620.

Question 2

Can I use a community mortgage if I have seasonal farm income?

Accepted Answer

Yes. These programs are built for non-traditional income. A broker can match you with lenders that accept seasonal employment documentation.

Question 3

Are community mortgages available in all parts of Tulare County?

Accepted Answer

Most are. Geographic restrictions vary by program. USDA has rural-specific rules, but most community mortgage programs cover Porterville directly.

Question 4

Can I combine a community mortgage with down payment assistance?

Accepted Answer

Often yes. Pairing with CalHFA or local DPA grants is one of the most effective ways to reduce upfront costs.

Question 5

How is a community mortgage different from a conventional loan?

Accepted Answer

Community programs use flexible underwriting criteria. They're designed for borrowers conventional loans routinely turn away.

Question 6

How do I find the right community mortgage program for my situation?

Accepted Answer

Work with a broker who has wholesale access. Programs differ significantly — the right one depends on your income type, credit, and goals.

Community Mortgages in Porterville, CA