What Is a Federal Housing Administration Loan (FHA Loan)?
An FHA loan is a mortgage issued by an FHA-approved lender and insured by the Federal Housing Administration (FHA). Designed for low-to-moderate income borrowers, FHA loans require a lower minimum down payments and credit scores than many conventional loans.
As of 2019, you can borrow up to 96.5% of the value of a home with an FHA loan (meaning you’ll need to make a down payment of only 3.5%). You’ll need a credit score of at least 580 to qualify. If your credit score falls between 500 and 579, you can still get an FHA loan provided you can make a 10% down payment. With FHA loans, your down payment can come from savings, a financial gift from a family member or a grant for down-payment assistance.
California is a state in the Pacific Region of the United States. With 39.6 million citizens across an overall location of about 163,696 square miles (423,970 km2), California is the most populous U.S. state and the third-largest by location. The state capital is Sacramento. The Greater Los Angeles Area and the San Francisco Bay Area are the nation’s 2nd- and fifth-most populous metropolitan regions, with 18.7 million and 9.7 million citizens respectively.  Los Angeles is California’s most populous city, and the nation’s second-most populous, after New York City. California also has the country’s most populous county, Los Angeles County, and its largest county by area, San Bernardino County. The City and County of San Francisco is both the nation’s second-most largely populated major city after New York City and the fifth-most densely populated county, behind just four of the five New York City boroughs.
California’s economy, with a gross state product of $3.0 trillion, is larger than that of any other U.S. state and is the largest sub-national economy in the world. The Greater Los Angeles Area and the San Francisco Bay Area are the country’s 2nd- and third-largest metropolitan economies ($1.253 trillion and $907 billion respectively as of 2017), after the New York cosmopolitan area. 18]
As a result of the state’s diversity and migration, California integrates foods, languages, and traditions from other areas throughout the nation and around the world. The San Francisco Bay Area and the Greater Los Angeles Area are extensively seen as centers of the international innovation and home entertainment industries, respectively. California’s farming industry has the greatest output of any U.S. state.
California shares a border with Oregon to the north, Nevada and Arizona to the east, and the Mexican state of Baja California to the south. The state’s varied geography varieties from the Pacific Coast in the west to the Sierra Nevada range of mountains in the east, and from the redwood and Douglas fir forests in the northwest to the Mojave Desert in the southeast. The Central Valley, a significant agricultural area, dominates the state’s. California is well-known for its warm Mediterranean environment, the large size of the state results in climates that vary from damp temperate rain forest in the north to dry desert in the interior, as well as snowy alpine in the mountains. In time, dry spell and wildfires have actually become more frequent challenges.  
In 1804 it was included in Alta California province, within Spanish New Spain Viceroyalty. The location ended up being a part of Mexico in 1821 following its successful war for self-reliance but was ceded to the United States in 1848 after the Mexican– American War. The western portion of Alta California was then organized and confessed as the 31st state on September 9, 1850.