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Aptos, CA FHA Loans in California

FHA loans differ from conventional loans in a number of ways. The down payment required for an FHA-insured loan is usually much lower than for conventional loans. FHA loans also have lower credit requirements than conventional loans, making them more available to a wider range of potential homebuyers.

 

FHA loans offer Aptos, CA residents several other valuable benefits, not least of which is those aforementioned smaller down payments. Unlike a conventional loan, which ordinarily requires 10-20% down, FHA-insured loans only require down payments as low as 3-5%. The FHA is also more flexible in calculating factors to determine whether or not to approve the loan, factors such as household income and repayment ratios.

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Aptos, California News
Fire destroys building on 41st

Alexz Londos reports: It took almost 5 hours for firefighters of Capitola with outside help from neighboring counties to gain control and contain the blaze that was in the middle of a commercial district ...


Local Jews defend, criticize Israel

Lying awake in a Bedouin tent somewhere in the Negev, Daniel Feder could hear the faint rumble of bombs echoing across the desert night.


Rescued horses must find new home

Two of six abused and neglected horses -- Lucy and Molly -- seized from a Watsonville ranch in June are in desperate need of homes or temporary sponsorship, according to the Santa Cruz County Animals Services ...


Downtown Santa Cruz parade rings in the new year for all ages

Hundreds, perhaps thousands, of people lined Pacific Avenue on a surprisingly warm December night to watch the Do-It-Yourself Parade and bid farewell to 2008.


As You See It: Dec. 31, 2008

Who can afford a personal concierge? Great front-page article about Karissa Paxton, the personal concierge.


The Don't List: Looking back on 2008, ahead to 2009

Of the dozens of performances and exhibitions I've been fortunate enough to cover for KQED during the past year, several stand out as events I don't think I'll ever forget.


Santa Cruz woman marks holiday with gift of citizenship

For Griselda Galvan, this year's Christmas celebration will be like no other. The festive family dinner and the midnight Mass bring joy and illumination, but her feeling of contentment is heightened because ...


As You See It: Dec. 26, 2008

Downtown not safe for kids In response to Josh Reilly's observations regarding the current state of Pacific Avenue, he very accurately describes it as "being untidy," having "annoying jerks" around, "some of ...


Santa Cruz surfing club wants its logo back

As surfers around the globe write checks to help save the city's Surfing Museum, the museum's co-founders are steamed that they no longer have one of their best fundraising tools: T-shirts bearing old surfing ...


Local Emergency Responders Practice Water Rescue

The water off the Capitola Wharf and Esplanade became the site of a water rescue Dec.


The Aptos History Corner

Brought to you by the Aptos History Museum The Aptos History Museum has a lovely collection of "antique" Christmas Cards on display.


Relatives, friends remember deaths among homeless population

Tibetan-style prayer flags listing the name age and year of death of a Santa Cruz County homeless person hang at the Homeless Services Center in Santa Cruz on Monday Carl White lit a white votive candle and set ...


Gas prices start rising

Gasoline prices on the rise After three months of falling prices, gasoline is getting more expensive locally.


Scotts Valley wants shot at federal funds for new library

Some city leaders see the upcoming presidency of Barack Obama as a "once-in-a-lifetime opportunity" to grab federal money to help build the planned new public library.


Aptos' Frear places in top 15 at Muir Beach Trail Run 50k

Paul Frear of Aptos took 13th place in the Muir Beach Trail Run 50-kilometer race Saturday, held in the Golden Gate National Recreation Area in Marin.


Roadshow: Cost to replace on-and-off Prius headlights can run $950 a " or nothing

Q I don't know if you've already discussed replacement costs for Toyota Prius headlights, but "... Steve Armstrong San Jose A Oh, we certainly are today.


Bipolar support group helps moms cope

There is a negative stigma attached to the word "bipolar." Sometimes it's the punch line of a joke.


The fire is just the beginning: Families struggle through pain, joy of rebuilding

As autumn turns into winter, signs of rebirth in Larkin Valley are everywhere. Tough, verdant grasses are helping to heal scarred hillsides.


County Addresses Challenge of High-Density and Affordable Housing

Santa Cruz County cleared one hurdle toward meeting state requirements for afford-able housing development when it designated eight parcels for such use in 2006.


Santa Cruz County Updates

More than 100 residents turned out on Oct. 28 for a special evening meeting of the Santa Cruz County Board of Supervisors to support keeping the Aptos property, commonly known as Par 3, zoned for parks and ...


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