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FHA Loans
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
Start your loan application now.