FHA Loans in Orange County – Affordable Home Financing
Make homeownership a reality in Orange County with FHA loans requiring as little as 3.5% down. Mo Abdel connects you with competitive FHA lenders for the best rates and terms. Compare withconventional loan options or check out our mortgage calculator to estimate payments.
Orange County FHA Mortgage Benefits & Advantages
Low Down Payment
Purchase a home with as little as 3.5% down payment, making homeownership accessible even with limited savings.
Flexible Credit Requirements
Qualify with credit scores as low as 500+ with higher down payment, or 580+ with 3.5% down payment.
Gift Funds Allowed
Use gift funds from family members for your down payment and closing costs, making it easier to qualify.
FHA Loan Requirements in California
Credit Score
Minimum 500+ with 10% down, or 580+ with 3.5% down
Debt-to-Income Ratio
Maximum 57% DTI in most cases with compensating factors
Employment History
Steady employment for at least 2 years
Primary Residence
Must be your primary residence, not investment property
2025 FHA Loan Limits
Perfect for Orange County Cities:
Orange County FHA vs Conventional Mortgage Comparison
| Feature | FHA Loan | Conventional Loan |
|---|---|---|
| Down Payment | As low as 3.5% | As low as 3% |
| Credit Score | 580+ (3.5% down) | 620+ typically |
| Mortgage Insurance | Required (MIP) | Removable (PMI) |
| Property Types | Limited to primary residence | Primary, second homes, investment |
| Gift Funds | Allowed for entire down payment | Allowed with restrictions |
Orange County FHA Mortgage Application Process
Get Pre-Qualified
Contact Mo Abdel for a free FHA pre-qualification to understand your budget
Gather Documents
Collect income docs, tax returns, bank statements, and employment verification
Find Your Home
Shop for FHA-approved properties in Orange County with your real estate agent
Close on Your Home
Complete the loan process with competitive FHA rates and move into your new home
Additional FHA Loan Resources
Learn more about FHA loans from official sources:HUD Official FHA Information |FHA Loan Requirements