Modesto is the Stanislaus County seat and the hub of the central San Joaquin Valley, with tree-lined older neighborhoods, the master-planned Village One community and a strong agricultural economy. We help Modesto buyers, homeowners and investors with purchase loans, refinances and rental property financing. An FHA loan in Modesto is one of the most accessible ways to buy a home. Insured by the Federal Housing Administration, FHA loans allow as little as 3.5 percent down, accept credit scores well below conventional minimums and allow higher debt-to-income ratios. Pacific National Lending brokers FHA loans through multiple FHA-approved lenders so Modesto buyers get competitive pricing.
Call Pacific National Lending for FHA loans in Modesto: (916) 526-2700
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Modesto's affordability relative to the Bay Area and Sacramento draws first-time buyers, commuters and investors, and FHA, VA and conventional low-down-payment loans are all common here. Long-time homeowners frequently refinance or open HELOCs to fund improvements on older homes. FHA loan limits are set by county, and in Stanislaus County they cover most entry-level and mid-range homes in Modesto. FHA also allows the purchase of 2-to-4-unit properties with 3.5 percent down when you live in one unit, which is a popular strategy for buyers who want rental income to help with the payment.
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Housing ranges from 1920s to 50s homes in the College area and downtown to 1960s to 80s neighborhoods along McHenry Avenue, 1990s and 2000s subdivisions in Village One and northeast Modesto, and newer construction on the north and east edges of the city. FHA appraisals in Modesto include a property condition review, so peeling paint, safety issues or a damaged roof can require repairs before closing. We flag likely issues early and know which lenders and appraisers handle FHA files smoothly, so your Modesto purchase stays on schedule.
To see whether an FHA loan is right for your Modesto purchase, call (916) 526-2700 or apply online. We will compare FHA and conventional side by side with actual payment figures, and there is no credit pull at the first step.
We help borrowers with FHA loans throughout Modesto, including Village One, College Area, Downtown Modesto, McHenry Avenue corridor, and across the central San Joaquin Valley. Modesto is about an hour and fifteen minutes from our Gold River office, and we handle Modesto loans by phone, email and e-signature.
Ready to talk about FHA loans in Modesto? Call (916) 526-2700 or apply online in a few minutes. There is no credit pull at the first step and no obligation.
Apply HereLearn more about the program itself: FHA Loans · All loan options · Purchase · Refinance · Today's rates
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