Helping Military and Civilian families realize the dream of homeownership since 1990

Laura Borja- Home Loan expert- NMLS 199107

What is an FHA Loan?


An FHA loan is a loan that is insured by HUD or the Department of Housing and Urban Development.


FHA loans are meant for the purchase of owner-occupied properties (primary residences) only. However, you are able to purchase a multi-unit property as long as you reside in one of the units. Let’s say a that you buy a duplex. If you live on one side and rent at the other you would be able to use FHA financing.

What are the basics of qualifying for an FHA Loan?*

Let's explore an overview of each of the FHA guideline categories

Additional Helpful Information

2021 FHA Loan Limits (One Unit Properties)

San Diego County: $753,250

Orange County: $822,375

Riverside County: $548,250

Los Angeles County: $822,375


You can find the limits for multiple unit properties as well as other counties in the US here: FHA Loan limits by County

Search for  FHA Approved Condos to determine if the condo you want is eligible for FHA financing. The list can be a bit cryptic so please reach out if you need help with the search.


*This overview is not all inclusive and does not include all guidelines or potential qualifying situations. Contact us or your lender for additional information that applies to your situation.

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Laura Borja  | Senior Mortgage Consultant | NMLS#199107

Cell: (619) 992-4061

27271 Las Ramblas ste 350  Mission Viejo CA 920691

This website is not authorized by the New York State Department of Financial Services to accept mortgage loan applications for properties located in New York. Intended for California Consumers Only.




Laura Borja- Home Loan expert- NMLS 199107
Laura Borja- Home Loan expert- NMLS 199107
Laura Borja- Home Loan expert- NMLS 199107