Question 1

What's the FHA loan limit for Tulare County?

Accepted Answer

As of April 2026, Tulare County falls under standard FHA limits set by HUD. Check current limits directly — they adjust annually.

Question 2

Can I use FHA to buy a duplex in Porterville?

Accepted Answer

Yes, FHA covers 2-4 unit properties. You must live in one unit as your primary residence.

Question 3

How long does FHA mortgage insurance last?

Accepted Answer

With less than 10% down, MIP stays for the life of the loan. Put 10% or more down and it drops off after 11 years.

Question 4

Does FHA allow gift funds for the down payment?

Accepted Answer

Yes. FHA allows 100% of the down payment to come from a gift. The donor must provide a signed gift letter.

Question 5

Will an FHA lender care about my employment history?

Accepted Answer

FHA wants two years of employment history. Gaps are explainable — lenders just want a clear picture of your income stability.

FHA Loans in Porterville, CA — Low Down, Real Results