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As a result, the project has qualified for HUD’s advantageous Green Mortgage Insurance Premium (“MIP”) program of 0.25% of the loan amount. Additionally, Packard Lofts was one of the last properties.

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However, lending limits max out at close to $680,000, making FHA loans unrealistic for California’s most expensive markets. Very few people use them to buy homes in areas like San Francisco or LA’s.

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