Merced, CA FHA Home Loans
FHA home loans continue to be a popular mortgage choice for Merced, California home buyers and those looking to refinance. In fact the FHA has been helping people own homes in cities like Merced since 1934. Simplified 2023 guidelines include easier qualifications with low down payments. Even better Merced consumers can keep their down payment in the bank with the help of the Merced, CA FHA home buyer grant. Credit scores will play a major factor in determining if and what FHA program will be available to you.
Merced FHA quotes are always free, get started by calling (888)416-0920. FHA experts are standing by near Merced, 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 Merced, CA FHA loans, Mortgage Brokers have more options. Regardless of what a consumer thinks, Merced, 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 Merced FHA wholesale and retail mortgage rates call (888)416-0920. A Merced, 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 Merced, CA can work with all types of credit scores.
Working with Top Rated FHA Specialists
The Merced 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!
My wife and I had the pleasure of being assigned to Ryan Sr. Loan Officer. He was polite, patient, professional and most importantly prepared throughout whole process. Ryan crunched numbers with impressive accuracy, explained documents line by line when we had questions and let us know what to expect so there wouldn’t be any surprises. Ryan is very knowledgeable and had no problem answering questions and sharing very important details which made us feel good about picking Smart Mortgage. Thank you Ryan for all your help and advice.
We applied with other lenders but had been turned down, but Smart mortgage worked with us so we can have our dream home! Our lender Jon, walked us through the process and was very helpful in answering questions promptly. He made the process easy for us. Jon always kept in daily communication with us, so there were no surprises! He made himself available anytime…..even when he was on vacation! The online submission of documents was very easy. Overall we think Smart Mortgage is an excellent company willing to work with people with blemished credit and give them the opportunity to live their dream of home ownership.
We worked with Brian who picked up our loan after our original broker quit working with us. I’ve never seen a more determined, hard working, and dedicated broker in action! Brian was amazing! We could write a book about our experience, bottom line… I wouldn’t work with anyone else or refer to anyone else. He gets it done!
I highly recommend working with Jon for a home loan product. He handled our jumbo loan with the highest integrity and detail. In particular, he helped navigate the legal details associated with our land trust. Our experience was exceptional and will work with Jon in the future.
I highly recommend choosing Brian as your Mortgage guy to make sure you get the house you want. He will make sure everything is done and not only in a timely manner but it gets done correctly. Your closing will go so smooth and there are no surprises with Him! He will be with you from beginning till the End! You will not be disappointed with his service!
Anthony exceeded our expectations in all aspects,going above and beyond he kept us in the loop throughout the whole process and in finding us ways to keep our final expenses as low as possible I feel we got the best deal we could have. We are very happy with our choice.
Anthony was great to work with and was very thorough with explaining the whole process. He was a huge help with any questions we had. Will definitely recommend to friends and family.
Worked with Jon on a refi and it was terrific. My situation was a little bit complicated based on a few moving parts, however, the process went very smooth and all my options were clearly explained as we went along. I’m very pleased with the outcome.
Very impressed. Jon walked me thru a difficult refi of 2 properties simultaneously. Always a quick response to any of my concerns. Would definitely recommend working with them.
The very first time I spoke with Patty on the phone, I knew I would work with her to find my mortgage. Patty has a calm and confident approach to her work that illustrates her knowledge of the industry, The counsel she provided helped position me in a favorable position to buy my dream home. I would definitely recommend Patty to family and friends, and look to work with her again in the future.
FHA Home Loan in Merced, CA
Get Pre-Qualified Now
FHA Benefits in Merced, CA
- Lower Rates
- Lower Payments
- Fixed Payments
- Easier Qualifications
- FHA Grants for Down Payment
- Gift Funds Allowed
Find your FHA Mortgage near Merced, CA (888)416-0920.
Merced (/mɜːrˈsɛd/; Spanish for “Mercy”) is a city in, and the county seat of, Merced County, California, United States, in the San Joaquin Valley. As of the 2020 Census, the city had a population of 86,333, up from 78,958 in 2010. Incorporated on April 1, 1889, Merced is a charter city that operates under a council–manager government. It is named after the Merced River, which flows nearby.