Loading
in Fillmore, CA
Fillmore is a small, tight-knit Ventura County city. Homes here move, and the right loan matters from day one.
FHA works for most buyers with modest credit. VA is built for those who served — and it's hard to beat.
FHA loans require as little as 3.5% down. You need a 580 credit score to hit that minimum.
Drop below 580 and you'll need 10% down. FHA also requires mortgage insurance — upfront and monthly.
VA loans require zero down payment. No private mortgage insurance either — that's real monthly savings.
You must have qualifying military service. Eligible borrowers include veterans, active duty, and surviving spouses.
The biggest difference is mortgage insurance. VA has none. FHA charges it for the life of the loan in most cases.
VA also wins on down payment. Zero beats 3.5% every time. The catch is eligibility — not everyone qualifies.
If you've served, use your VA benefit. The savings on mortgage insurance alone add up fast over 30 years.
If you haven't served, FHA is your path. It's still one of the most accessible loans for Fillmore buyers.
Yes. VA loans work for single-family homes in Fillmore. Confirm your eligibility with a Certificate of Eligibility first.
Yes. FHA charges an upfront MIP plus a monthly premium. With under 10% down, it stays for the loan's life.
FHA allows scores down to 580 for 3.5% down. VA has no set minimum, but most lenders want at least 620.
Most veterans pay it, but disabled veterans are exempt. It can be rolled into the loan amount.
Veterans should default to VA. Everyone else gets the most flexibility from FHA's low down payment structure.