Where can I get an FHA loan near me in Marina del Rey?

Our Marina del Rey office at 13763 Fiji Way, Suite EU2, Marina del Rey, CA 90292 arranges FHA loans for Westside buyers. Save Financial is a licensed California mortgage broker (NMLS #377740, DRE #01875766) and a CalHFA-approved lender, and we shop multiple FHA lenders on your behalf. Call (310) 759-4757. We are not affiliated with or endorsed by the FHA, HUD, or any government agency.

How much do I need to put down on a Westside FHA purchase?

Just 3.5% with a 580 credit score — and all of it can be a documented family gift, which matters in a higher-priced market like the Westside. If your score is 500–579, the minimum is 10% down.

What credit score do I need for FHA?

A 580 score unlocks the 3.5% minimum down. Buyers in the 500–579 range can still qualify by putting 10% down. FHA's credit bar is lower than conventional, which is why so many first-time Westside buyers use it.

Can FHA work on a Westside condo?

It can, but the condo project has to be eligible. When you're eyeing a Marina del Rey or Playa Vista unit, we check FHA eligibility early so there are no surprises before you write an offer.

How high can an FHA loan go in Los Angeles County?

LA County is a high-cost county, so the 2026 FHA limit reaches $1,249,125 — real buying power for a Westside house or a qualifying condo, not just entry-level prices.

Does FHA require mortgage insurance?

Yes — an upfront premium plus an annual MIP. It's the trade-off for the low 3.5% down payment and the more forgiving credit standards.

Can I stack CalHFA assistance on an FHA loan here?

Often yes. As a CalHFA-approved lender we can pair FHA with California down-payment assistance for eligible Westside buyers, and we confirm what's open before you make an offer.

Is Save Financial part of the FHA or the government?

No. We're an independent, licensed California mortgage broker (NMLS #377740, DRE #01875766), not affiliated with or endorsed by the FHA, HUD, or any government agency.

Which Westside areas do you serve from this office?

All of the Westside and beyond — including Marina del Rey, Venice, Playa del Rey, Playa Vista, Santa Monica, Culver City, and more — plus every California county.

FHA Loans · Marina del Rey, CA

FHA Loans in Marina del Rey — Low-Down, Flexible-Credit Home Loans from a Local Broker

An FHA loan in Marina del Rey lets you buy on the Westside with as little as 3.5% down and a credit score from 580 — with 2026 FHA limits up to $1,249,125 in high-cost Los Angeles County. Save Financial (NMLS #377740), a local mortgage broker at 13763 Fiji Way, Suite EU2 and a CalHFA-approved lender, shops FHA lenders for you. Call (310) 759-4757.

FHA opens the door for Westside first-time and lower-down buyers even in a high-cost coastal market. Los Angeles County sits at the top FHA tier, so the 2026 limit reaches $1,249,125 — real buying power for a Mar Vista or Westchester house or a qualifying condo. With 3.5% down (all of which can be a documented gift) and CalHFA assistance stacked on top, a buyer whose credit or savings won't clear a conventional bar can still get into a Venice, Culver City, or marina-area home. That combination — low down, flexible credit, gift-friendly — is exactly why FHA stays popular on the Westside.

Looking for an FHA Loan Near You in Marina del Rey?

Our Westside home office lets a first-time or lower-down buyer get pre-approved with a licensed loan officer in person, and see exactly what FHA plus any CalHFA assistance makes possible — not through a distant call center.

Save Financial — Marina del Rey office
13763 Fiji Way, Suite EU2, Marina del Rey, CA 90292
Phone: (310) 759-4757
Hours: Monday–Friday 8:00 AM–5:00 PM, Saturday 10:00 AM–2:00 PM (Sunday closed) PT

The office is just off Fiji Way near the main channel of the marina, with convenient parking and quick access from Lincoln Boulevard and the 90 Marina Freeway. We serve Westside buyers from our Marina del Rey office across the neighborhoods below.

Areas We Serve Near Our Marina del Rey Office

Here is how FHA tends to fit for buyers across the areas we cover from Marina del Rey:

Marina del Rey: first-time and lower-down buyers using FHA on qualifying condos and townhomes.
Venice: buyers stretching into an appreciated market with 3.5% down and gift funds.
Playa del Rey: coastal starter homes financed with FHA and CalHFA assistance.
Playa Vista: condo buyers using FHA where the project qualifies.
Santa Monica: higher-priced FHA purchases within the high-cost county limit.
Culver City: first-time buyers near the tech corridor using FHA plus assistance.
West Los Angeles: buyers with lighter credit qualifying on FHA’s 580 threshold.
Mar Vista: single-family FHA purchases with a low down payment.
Westchester: Kentwood and LAX-area first-time FHA buyers.

These are service areas of our Marina del Rey office, not separate offices.

How an FHA Loan Works

An FHA loan is a government-insured mortgage built for buyers who want a low down payment and more flexible credit. You can put down as little as 3.5% with a 580 credit score (or 10% down with a score of 500–579), and 100% of that down payment can be a documented gift from family. It's one of the most popular paths for California first-time buyers.

FHA charges mortgage insurance — an upfront premium plus an annual MIP — which is the trade-off for the low down payment. In high-cost Los Angeles County, the 2026 FHA limit reaches $1,249,125, so FHA works on real Westside prices, not just entry-level ones.

Save Financial is a CalHFA-approved lender, so we can pair FHA with California down-payment assistance where you qualify, and as a broker we shop multiple FHA lenders for your best terms. Save Financial is a licensed mortgage broker and is not affiliated with, or endorsed by, the FHA, HUD, or any government agency.

Common FHA Scenarios for Westside Buyers

A first-time buyer with 3.5% down (or a gift) and a mid-600s score buying a Westside home.
A buyer with a 580–620 score who doesn't fit conventional credit yet.
A buyer stacking CalHFA assistance on top of FHA to cover the down payment.
A condo buyer where the project qualifies for FHA financing.
A move-up buyer using FHA up to the high-cost county limit.

Is an FHA Loan Right for You?

You're buying a Westside primary residence and want a low down payment (3.5%).
Your credit is in the 580s or up — FHA is more forgiving than conventional.
Some or all of your down payment is a documented gift.
You'd like to stack CalHFA assistance, which we can check as a CalHFA-approved lender.

FHA vs. Conventional vs. VA

These are the three main low-to-no-down purchase paths. Here's how they compare:

For a Westside buyer	FHA	Conventional	VA
Minimum down	3.5% (580+ FICO)	As low as 3%	$0 with full entitlement
Credit	580+ for 3.5% down (500–579 with 10% down)	Typically higher	Flexible, lender-set
Mortgage insurance	Upfront + annual MIP	PMI (can drop off later)	None
2026 high-cost CA limit	Up to $1,249,125	Conforming limit	No limit with full entitlement
Down-payment gift	100% can be a documented gift	100% gift allowed	N/A (no down)
Best for	Westside buyers with lower credit or small savings	Stronger credit or more down	Eligible veterans & service members

FHA wins on credit flexibility and low down; conventional can drop mortgage insurance later; VA is unbeatable for eligible veterans. We'll compare all three on your numbers.

Why Work With a Local Marina del Rey Mortgage Broker?

As a broker, Save Financial shops FHA across multiple lenders — and pairs it with CalHFA assistance where you qualify — instead of one bank's overlays, which matters when your file is credit- or down-payment-sensitive. Our office is in Westside, so we know local prices, condo eligibility, and how to make an FHA offer competitive.

You can meet us in person, get pre-approved, and get straight answers from a licensed local loan officer. Call the Marina del Rey office directly at (310) 759-4757. Save Financial is a licensed mortgage broker and is not affiliated with, or endorsed by, the FHA, HUD, or any government agency.

How to Get an FHA Loan with Save Financial

Share your Westside target price, your down payment or gift funds, and a rough credit range — online or at (310) 759-4757.
We confirm FHA fit, check condo eligibility if you're buying a unit, and see whether CalHFA assistance is open for you.
We shop FHA lenders, line up the best terms, and issue your pre-approval letter.
You make an offer in Venice, Mar Vista, or wherever you're looking, and we drive the file to closing.

Serving Marina del Rey: Save Financial arranges these loans in Marina del Rey and across Westside Los Angeles from our Marina del Rey office. We are a California-licensed mortgage brokerage (NMLS #377740, DRE #01875766), Equal Housing Opportunity, and shop multiple lenders for your best terms. This page is informational and not a commitment to lend; all loans are subject to credit approval, income and property review, and program availability. Call 310-759-4757 or apply online.