You can compare maximum three products at a time. Please adjust the selection accordingly.
You can only compare three products at a time. Unselect an account or use clear all to start over.
Choose Your State
Rates and products offered may differ from state to state. To see the rate and offering available to you, please select the state where you bank. (Your privacy is important to us—see our Privacy Notice)
IMPORTANT: California Bank & Trust will be making security upgrades to our digital systems on Tuesday, June 23, 2020. To see how you can be prepared for this update, please click here.
Perfect for first-time homebuyers looking for a loan to purchase a primary residence.
The key to your first home.
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