Question 1

Can I use FHA with seasonal farm income in Tulare?

Accepted Answer

Yes, but you need two years of documented seasonal income in the same field. Your lender will average the income — gaps are acceptable if the pattern is consistent.

Question 2

Do any parts of Tulare County qualify for USDA instead?

Accepted Answer

Some areas do. USDA offers zero down with no monthly MIP, which beats FHA on cost. Ask us to check your specific address before committing to FHA.

Question 3

What credit score do I need for FHA in Tulare?

Accepted Answer

580 gets you to 3.5% down. Some wholesale lenders go down to 500 with 10% down, but options get thin below 580.

Question 4

Will a fixer-upper pass an FHA appraisal?

Accepted Answer

Not always. FHA appraisers flag peeling paint, broken windows, roof issues, and safety hazards. Budget for repairs or consider an FHA 203k rehab loan instead.

Question 5

How long does FHA mortgage insurance last?

Accepted Answer

Forever, if you put less than 10% down. With 10% or more, MIP drops off after 11 years. This is why refinancing to conventional later often makes sense.

FHA Loans in Tulare, CA — Low Down, Real Access