FHA Home Loans
Holiday Mortgage (Youngs Real Estate, Inc.) • California • By Appointment Only
Program navigation:
VA
FHA
Conventional (FNMA/FHLMC)
USDA
Down Payment Assistance
Forgivable Grants
CalHFA
CalVET
Jumbo / Super Jumbo
SBA
Agricultural
Commercial
Hard Money
DSCR
Apartment Complex
Manufactured Homes
Quick list: VA • FHA • Conventional (FNMA/FHLMC) • USDA • Down Payment Assistance • Forgivable Grants • CalHFA • CalVET • Jumbo / Super Jumbo • SBA • Agricultural • Commercial • Hard Money • DSCR • Apartment Complex • Manufactured Homes
At a glance
- Best for: primary homebuyers who want flexible options and low down payment programs (subject to eligibility).
- Occupancy: typically primary residence.
- Property: commonly 1–4 unit owner-occupied (guidelines vary).
Reminder: Guidelines vary by lender and scenario. This page is general information only and is not a commitment to lend.
Basic qualifications (typical)
- Primary residence occupancy requirement is common.
- Meet lender credit/income requirements and FHA underwriting.
- Property must meet condition and appraisal requirements.
Property types that may work
- Single-family residence (owner-occupied)
- Some condos/townhomes (subject to approval and guidelines)
- Some 2–4 unit properties (owner-occupied, subject to guidelines)
Typical documentation checklist
- Photo ID
- Income documentation (paystubs, W-2s, tax returns depending on income type)
- Asset documentation (bank statements; source of funds for down payment/closing costs)
- Property documentation (purchase contract if buying; insurance quote)
- Credit authorization and explanations if needed
- Program-specific items (below)
Tip: For privacy and security, do not email SSNs or sensitive document images. Use a secure portal for sensitive info.
Program-specific documents / notes
- Signed purchase contract if buying.
- Explanation letters may be needed for credit/employment changes.
- Self-employed borrowers often need tax returns and business documentation.
Helpful links: HUD FHA overview
Questions? Call (530) 238-5739 or email [email protected].
© Holiday Mortgage / Youngs Real Estate, Inc. • Privacy • Disclosures