Scotts Valley, CA FHA Home Loans
FHA home loans continue to be a popular mortgage choice for Scotts Valley, California home buyers and those looking to refinance. In fact the FHA has been helping people own homes in cities like Scotts Valley since 1934. Simplified 2024 guidelines include easier qualifications with low down payments. Even better Scotts Valley consumers can keep their down payment in the bank with the help of the Scotts Valley, CA FHA home buyer grant. Credit scores will play a major factor in determining if and what FHA program will be available to you.
Scotts Valley FHA quotes are always free, get started by calling (888)416-0920. FHA experts are standing by near Scotts Valley, 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 Scotts Valley, CA FHA loans, Mortgage Brokers have more options. Regardless of what a consumer thinks, Scotts Valley, 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 Scotts Valley FHA wholesale and retail mortgage rates call (888)416-0920. A Scotts Valley, 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 Scotts Valley, CA can work with all types of credit scores.
Working with Top Rated FHA Specialists
The Scotts Valley 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 Scotts Valley, CA
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FHA Benefits in Scotts Valley, CA
- Lower Rates
- Lower Payments
- Fixed Payments
- Easier Qualifications
- FHA Grants for Down Payment
- Gift Funds Allowed
Find your FHA Mortgage near Scotts Valley, CA (888)416-0920.
Scotts Valley is a small city in Santa Cruz County, California, United States, about thirty miles (48 km) south of downtown San Jose and six miles (10 km) north of the city of Santa Cruz, in the upland slope of the Santa Cruz Mountains. As of the 2020 census, the city population was 12,224. Principal access to the city is supplied by State Route 17 that connects San Jose and Santa Cruz. The city was incorporated in 1966.
Approximately ten thousand years ago there was a lake in the lowest elevation of Scotts Valley, and Paleo Indians lived near its shores.[3] Archeological excavations of site CA-SCR-177 in 1983 and 1987 support dates for human settlement of this area as between 9,000 to 12,000 years before present (YBP). The lake later receded to form a peat bog. Later, around 2000 BC, Ohlone people occupied areas along the remaining creeks, spring and seep areas, along with permanent and seasonal drainages, and on flat ridges and terraces.[4] Therefore, areas along watercourses are considered likely locations for prehistoric cultural resources. Several watercourses, including portions of Carbonera Creek, Bean Creek, and MacKenzie Creek, are within the city. Permanent villages were usually placed on elevations above seasonal flood levels. Surrounding areas were used for hunting and seed, acorn, and grass gathering.