An FHA Loan[cite::56::cite] from California Bank & Trust is perfect for first-time homebuyers — and those with less-than-perfect or limited credit history — who are purchasing a primary residence. If you’re ready to buy, we’re ready to help.

Why Choose an FHA Loan

• Insured by the Federal Housing Administration (FHA)
  
• Flexible credit requirements
• Down payments as low as 3.5%
• Debt-to-income ratio can be above conventional limits
• Loan amounts up to $729,750 (amount varies by county)
• Funds needed to close — including down payment — can be gifted