Buying
Can I buy a home with a lower credit score?
Quick answer
Yes, FHA loans allow scores around 580 with 3.5 percent down and even lower scores with a larger down payment. The trade-off is usually higher mortgage insurance and a higher rate.
The full answer
More detail, straight from Julian Cesar
Yes, FHA loans allow scores around 580 with 3.5 percent down and even lower scores with a larger down payment. The trade-off is usually higher mortgage insurance and a higher rate. Improving your score before you shop can save thousands over the life of the loan, so it is worth a credit review first. A trusted local lender can tell you exactly where you stand.
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More Buying questions
How much do I need for a down payment to buy a home in the Inland Empire?
Most Inland Empire buyers put 3 to 20 percent down, depending on the loan type. Conventional loans commonly start around 3 to 5 percent, FHA around 3.5 percent, and VA and USDA loans can go lower for qualified buyers.
Read the answer BuyingShould I get pre-approved before I start looking at homes?
Yes, pre-approval comes first. It sets your realistic price range and tells sellers you are a serious buyer from the very first tour.
Read the answer BuyingIs now a good time to buy a home in the Inland Empire?
The honest answer depends on your timeline, budget, and target area, not on a headline. A ZIP-level market report turns the question from guesswork into data.
Read the answerStill have a question?
Your situation has its own details. Ask Julian directly.
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Julian Cesar
Licensed Agent, CA DRE #02015349