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Your Hanford mortgage broker.
From the Carnegie Museum side of downtown out to the new builds off 12th Avenue, we help Kings County families finance homes with FHA, USDA, VA, and construction loans, all from our Santa Rosa office.
Mortgage broker serving Hanford, CA
Hanford is one of the more attainable places to own a home in California, and that shapes almost every conversation we have with buyers here. Median prices in Kings County sit well below the coastal markets, which means a Hanford household with a steady income, often tied to ag, the dairy industry, the prison and hospital systems, or the Lemoore Naval Air Station nearby, can realistically buy rather than rent. The 2026 FHA limit of $541,287 is far above what most Hanford homes sell for, so loan limits are rarely the obstacle. The real questions are down payment, credit, and which program fits.
Because so much of Kings County is rural or on the edge of town, the USDA Rural Development loan is a genuine workhorse here, not a footnote. Many addresses just outside Hanford proper, and much of the surrounding farmland and small communities like Armona and Hardwick, qualify for USDA's zero-down financing. Pair that with a strong base of first-time buyers and military-connected families from Lemoore, and you get a market where low- and no-down-payment programs do the heavy lifting. FHA is popular in the older neighborhoods around downtown and the Civic Auditorium; VA is everywhere there are Navy ties.
There is also a steady appetite for building from scratch out here. Land is comparatively affordable, lots are larger, and plenty of Kings County families would rather put up a new home on an acre than compete for an existing one. That is where an FHA one-time-close construction loan, the homeowner's loan that rolls the lot, the build, and the permanent mortgage into a single closing, makes sense. As a broker, North Bay Capital shops these scenarios across multiple investors rather than steering you to one bank's product.
Hanford is one of California's last genuinely affordable markets, where USDA zero-down and Lemoore-driven VA loans do more work than jumbo financing ever will.
Loans we write most in Hanford
The financing that fits this market — tap one to dig into the details.
Neighborhoods and communities we serve
Neighborhoods & communities: Downtown Hanford · Hidden Valley · Armona · Hardwick · Grangeville · Home Garden · Lacey Boulevard corridor · 12th Avenue new builds.
Around town: Hanford Civic Auditorium · Hanford Carnegie Museum · Courthouse Square · China Alley and the Taoist Temple · Kings County Fairgrounds · the Hanford Fox Theatre · Superior Dairy ice cream parlor on Courthouse Square.
For 2026 the FHA 1-unit loan limit in Kings County is $541,287, the national floor, which comfortably covers the vast majority of Hanford home prices.
Home loans in Hanford, answered
Do you offer FHA loans in Hanford?
Yes. FHA is one of the most common loans we write in Kings County, with 3.5% down and flexible credit guidelines. The 2026 FHA limit for Hanford is $541,287, which covers nearly every home in the area.
Can I get a USDA zero-down loan in or around Hanford?
Often, yes. Large portions of Kings County outside the Hanford city center, including areas near Armona and Hardwick, are USDA-eligible. We can pull the exact address against the USDA map and tell you whether a no-down-payment loan is on the table.
Is North Bay Capital actually located in Hanford?
No. We are a California-licensed mortgage brokerage based in Santa Rosa, serving Hanford and all of Kings County remotely. You get the same FHA, USDA, VA, and construction options without needing a local branch, and you can reach us directly at 707-595-5393.
Can I build a new home on land near Hanford with one loan?
Yes. An FHA one-time-close construction loan lets you finance the lot, the build, and your permanent mortgage in a single closing, which suits the larger, affordable parcels common around Kings County. This is the homeowner's loan, not a contractor business loan.
Let's talk about your Hanford home loan.
Tell us about your purchase, refinance, or build and we'll map a clear path — payment estimates, the right program, and the documents to gather. No pressure, just a straight answer from a Kings County broker who knows the market.