Question 1

What is the FHA loan limit in Yolo County?

Accepted Answer

FHA loan limits are set by county and updated annually. Contact us for the current Yolo County limit — it directly affects your max purchase price with FHA financing.

Question 2

Can I use FHA to buy a duplex in West Sacramento?

Accepted Answer

Yes, FHA allows multi-unit properties up to four units. You must occupy one unit as your primary residence.

Question 3

How long does FHA mortgage insurance last?

Accepted Answer

On loans with less than 10% down, FHA MIP stays for the life of the loan. Putting 10% or more down cuts it to 11 years.

Question 4

Can a seller pay my closing costs on an FHA loan?

Accepted Answer

Yes. Sellers can contribute up to 6% of the purchase price toward your closing costs. This is a real negotiating tool in slower markets.

Question 5

Does FHA work for self-employed borrowers in West Sacramento?

Accepted Answer

It can. FHA uses two years of tax returns to calculate self-employed income. Consistent or growing income makes approval more straightforward.

Question 6

Is FHA or conventional better for a first-time buyer here?

Accepted Answer

Depends on your credit score and savings. FHA wins below 640 credit. Above that, conventional often beats FHA once you factor in lifetime MIP costs.

FHA Loans in West Sacramento — Low Down, Real Approval