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WHAT ARE FHA REQUIREMENTS FOR A HOME LOAN?

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Requirements for FHA loan approval in SoCal include a credit score of 580 to qualify for 3.5% down payment. Credit scores lower than 580 may be approved but will require a larger down payment. FHA loan approval is also contingent upon being able to show stable employment and income for at least two years. If you have a bankruptcy on your record, it must be at least two years old, and a foreclosure must be at least three years old. At Summit Lending in Huntington Beach, we work with borrowers with excellent credit, with little to no credit, and with those who have less than perfect credit. Contact our team of top SoCal mortgage brokers today to learn more about getting a home loan in Southern California.