FHA loans in Culver City
A government-insured loan with flexible credit rules, built for first-time buyers and anyone whose credit is still healing.
No credit check to see your options
FHA could be a fit if…
- You're buying your first home
- Your credit score has a few dings
- You'd like a smaller down payment
- You'll live in the home yourself
Pros and cons
What's good
- Easier to qualify with lower credit scores
- Gifts from family can help with the down payment
- Can be assumed by a future buyer
What to watch
- Mortgage insurance often lasts the life of the loan
- Only for the home you live in
- The home must pass an FHA appraisal
How FHA compares
I compare these side by side with real lender pricing before you choose.
Swipe the table to compare →
| Feature | FHA | Conventional | VA loans |
|---|---|---|---|
| Best for | First-time buyers still building credit | Two years of solid tax returns | A loan guaranteed by the Department of Veterans Affairs for veterans, service members and eligible surviving spouses. |
| Backed by | Insured by the FHA (HUD) | Not government-backed (Fannie Mae / Freddie Mac rules) | Guaranteed by the VA |
| Credit | Flexible — HUD's minimum is 500, many lenders want 580+ | Usually higher than FHA | Set by each lender; often flexible |
| Mortgage insurance | Upfront and monthly premiums | Needed below 20% equity; removable later | No monthly mortgage insurance; a one-time funding fee (some veterans are exempt) |
| Property | Your main home, 1–4 units | Main home, second home or rental | Your main home, 1–4 units |
| Loan limit | Set by county | Conforming limit set by county | No VA limit with full entitlement |
Do I have to be a first-time buyer?
No. FHA loans are open to repeat buyers too, as long as the home will be your main residence.
Can I get rid of FHA mortgage insurance?
Often not without refinancing. Many people move to a conventional loan later once they have more equity.
What credit score do I need?
HUD's floor is 500, but most lenders set their own minimums higher. I'll match you with the lenders that fit your score.
Are there limits on how much I can borrow?
Yes. FHA sets a maximum loan amount for each county. I'll tell you the current number for the area you're shopping in.
Don't take my word for it
“Sample review — replace with a real one. Two banks said my income was too low. Brian used my business statements and got us approved.”
“Sample review — replace with a real one. Closed my second rental in my LLC without showing a single tax return.”
“Sample review — replace with a real one. Pulled equity for my studio build-out. Brian laid out three options in plain English.”
Let's see if FHA is your best option.
Two minutes, no credit check. I'll compare it against every other loan you qualify for.
Get My FHA QuoteOr call or text (310) 555-0177