FHA Loans in San Diego

FHA loans are government-backed mortgages that make homeownership more accessible, especially for first-time buyers and those with smaller down payments or lower credit scores.

Why FHA Loans Are Popular

FHA loans allow down payments as low as 3.5 percent and are more flexible on credit than many conventional loans, which makes them a strong option for many San Diego buyers.

How FHA Loans Work

The loan itself comes from an approved lender, while the FHA insures it. This insurance is why lenders can offer more flexible terms.

Things to Keep in Mind

FHA loans include mortgage insurance premiums, and there are loan limits that vary by county. In a higher-cost area like San Diego, it's worth confirming the current limit with your lender.

Is an FHA Loan Right for You?

As your REALTOR, I can connect you with lenders who'll compare FHA and other options for your situation. Reach out and we'll find the best fit.