Affordable Homeownership Backed by the FHA — Guided by the CEO
California FHA Home Loans — Low Down Payment, High Confidence
At California Mortgage Direct, we make FHA home loans simple, fast, and personal for California residents. Whether you’re a first-time buyer, rebuilding credit, or simply want a low down payment, FHA loans are one of the most accessible home financing options available — and you’ll work directly with Joseph S. Restivo, the President & CEO of American Mortgage Network.
No call centers. No pressure. Just real guidance from the top.
🔍 What Is an FHA Loan?
An FHA loan is a mortgage backed by the Federal Housing Administration, designed to make homeownership easier for borrowers with limited savings or lower credit scores. With just 3.5% down, flexible guidelines, and competitive rates, it’s a powerful tool for Californians navigating high home prices.
✅ FHA Loan Benefits in California
- 💰 Down payments as low as 3.5%
- 🔐 Flexible credit requirements (580+ scores accepted)
- 🏠 Gift funds allowed for down payment
- 🧾 Seller can pay up to 6% in closing costs
- 🔄 Streamline refinance options available
- 📉 Lower interest rates than many Conventional Loans
- 🔁 Assumable mortgage — transferable to future buyer
📍 Why FHA Loans Work in California
California’s high-cost housing markets — from Los Angeles to the Central Valley — can be a challenge for buyers with limited cash reserves. FHA loans give you a realistic path to homeownership, especially if you’re:
- A first-time buyer
- Rebuilding credit after a hardship
- Self-employed with verifiable income
- Transitioning from renting to owning
📊 2025 California FHA Loan Limits
FHA loan limits vary by county and are updated annually. Here are a few 2025 examples:
| County | Loan Limit (1-Unit) |
|---|---|
| Los Angeles | $1,149,825 |
| San Diego | $1,149,825 |
| Riverside | $644,000 |
| San Bernardino | $644,000 |
| Sacramento | $766,550 |
| Orange County | $1,149,825 |
Want to know your local limit? 👉 Schedule a Call with Joseph
🔁 FHA Streamline Refinance
Already have an FHA loan? You may qualify for the FHA Streamline, a refinance option that requires:
- ❌ No appraisal
- ❌ No income verification
- ✅ Fast processing
- ✅ Lower interest rate
It’s one of the easiest refi programs in the U.S.
🤝 Why Work With California Mortgage Direct?
We’re not a retail branch or a broker. We’re a direct lender powered by American Mortgage Network — and when you work with us, you work directly with the CEO, not a junior loan officer.
| Feature | What It Means for You |
|---|---|
| 🧑✈️ Work with Joseph S. Restivo | President & CEO, NMLS #262845 |
| ⚡ Fast Pre-Approvals | Get started same-day |
| 📱 Fully Remote | Apply and close from anywhere in California |
| 🔎 Transparent Process | No surprises, no hidden fees |
| 💼 25+ Years Experience | Trusted by thousands of homebuyers |
💬 Client Testimonial
“I thought I’d never qualify after a tough year, but Joseph walked me through every step of my FHA loan and got me into my first home with only 3.5% down. It’s rare to deal with the actual CEO — and it made all the difference.”
— Raquel M., Fresno, CA
🧠 FHA Loan FAQs
Q: Is an FHA loan only for first-time buyers?
A: No! FHA loans are open to anyone who meets the qualifications — not just first-time buyers.
Q: Can I use gift funds for the down payment?
A: Yes. FHA allows 100% of your down payment to be gifted by a family member or eligible donor.
Q: Can I buy a multi-unit property with an FHA loan?
A: Yes — up to 4 units, as long as you live in one of them as your primary residence.
Q: How fast can I close?
A: We can typically close in 21 days or less with full documentation.
📍 Serving All of California
We help borrowers in every corner of the state, including:
- Los Angeles
- San Diego
- Sacramento
- Riverside
- Orange County
- San Francisco
- Central Valley
- Inland Empire
- Bay Area & Beyond
🚀 Ready to Apply?
✅ Start My FHA Loan
✅ Schedule a Call with Joseph
✅ Get Pre-Approved in Minutes