Arcata, CA FHA Home Loans

FHA home loans continue to be a popular mortgage choice for Arcata, California home buyers and those looking to refinance.  In fact the FHA has been helping people own homes in cities like Arcata since 1934.  Simplified 2024  guidelines include easier qualifications with low down payments.  Even better Arcata consumers can keep their down payment in the bank with the help of the Arcata, CA FHA home buyer grant.  Credit scores will play a major factor in determining if and what FHA program will be available to you.

Arcata FHA quotes are always free, get started by calling (888)416-0920.  FHA experts are standing by near Arcata, CA and ready to help.  Connect with a licensed home FHA specialist, ask questions and find out if you qualify.

  • 560 FICO – 10% Down
  • 580 FICO – 3.5% Down – Call to Check Grant Eligibility
  • 620 FICO – Eligible for Forgivable Grant for Down Payment or 3.5% Down.
  • Gift funds can be used on FHA transactions if needed.

Mortgage Brokers offer Lower FHA Rates and Costs

When it comes to Arcata, CA FHA loans, Mortgage Brokers have more options.  Regardless of what a consumer thinks, Arcata, CA Mortgage Brokers offer a wholesale rate and lower costs.  Going directly to the bank or a mortgage lender is not a better option.  If you are in doubt, it is always a good idea to get a couple of quotes and compare them.  If you still don’t understand the difference between Arcata FHA wholesale and retail mortgage rates call (888)416-0920.  A Arcata, CA Mortgage Broker will be able to offer you more programs.  Banks and Lenders have set mortgage guidelines including set credit score limits.  Mortgage Brokers in Arcata, CA can work with all types of credit scores.

Working with Top Rated FHA Specialists

The Arcata FHA Mortgage team is celebrating its 26th year in business.  Our experience allows for consumer mortgage confidence especially with our FHA wholesale rate option.  We navigate consumers through the mortgage process,  explain options and find what choice works best for you. We specialize in more than just refinancing mortgage loans.  Check out consumer first time homebuyer programs, USDA home loans, VA home loans and our customer reviews.

Get on the Path to Refinancing. We got your Back!
FHA Home Loan in Arcata, CA
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    FHA Benefits in Arcata, CA

    • Lower Rates
    • Lower Payments
    • Fixed Payments
    • Easier Qualifications
    • FHA Grants for Down Payment
    • Gift Funds Allowed

    Find your FHA Mortgage near Arcata, CA (888)416-0920.

    Arcata (/ɑːrˈkeɪ.tə/;[7] Wiyot: Goudi’ni;[8] Yurok: Oket’oh)[9] is a city adjacent to the Arcata Bay (northern) portion of Humboldt Bay in Humboldt County, California, United States. At the 2020 census, Arcata’s population was 18,857. Arcata was first colonized in 1850 as Union, was officially established in 1858, and was renamed Arcata in 1860. It is located 280 miles (450 km) north of San Francisco (via Highway 101), and is home to California State Polytechnic University, Humboldt. Arcata is also the location of the Arcata Field Office of the Federal Bureau of Land Management, which is responsible for the administration of natural resources, lands and mineral programs, including the Headwaters Forest, on approximately 200,000 acres (810 km2) of public land in Northwestern California.

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