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Browse fha loan specialists serving Albany, California. Contact information and addresses listed below.
4 agents listed
Updated May 2026
Albany, CA
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the California before hiring.
Showing 4 fha loan specialists in Albany, CA
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Oak Leaf Funding
1580 Solano Ave Suite D, Albany, CA 94707
5105252024
Mortgage Brokerage California - Lanny Clark - C2 Financial Corporation
828 San Pablo Ave STE 220A, Albany, CA 94706
5109007520
MPR Financial
1320 Solano Ave Suite 201, Albany, CA 94706
5105276146
Fishman Financial Group, Inc.
1604 Solano Ave, Albany, CA 94707
5105282255
An FHA loan specialist in Albany California helps homebuyers navigate FHA insured mortgages which are popular for their low down payment requirements. California law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System. These specialists can guide you through the specific property eligibility rules for Alameda County and the San Francisco Bay Area housing market.
What Does a FHA Loan Specialist in Albany Cost?
Typical costs for an FHA loan specialist in California include an origination fee of 1 percent of the loan amount and an upfront mortgage insurance premium of 1.75 percent of the loan amount. Annual mortgage insurance premiums range from 0.45 percent to 1.05 percent of the loan balance depending on the loan term and down payment. For a $500,000 loan these fees could total approximately $8,750 upfront plus ongoing monthly premiums. This is general information and not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What are the FHA loan limits for Albany California in 2025?
For 2025 the FHA loan limit for a single family home in Alameda County is $1,149,825. This high limit reflects the expensive real estate market in the San Francisco Bay Area. Limits are adjusted annually by the Department of Housing and Urban Development.
Do I need a special license to be an FHA loan specialist in California?
Yes all mortgage loan originators in California must hold a valid license through the Nationwide Multistate Licensing System. They must also complete continuing education requirements each year. You can verify a specialist license on the NMLS Consumer Access website.
What is the minimum down payment for an FHA loan in California?
The minimum down payment for an FHA loan is 3.5 percent of the purchase price if your credit score is 580 or higher. If your credit score is between 500 and 579 you may need a 10 percent down payment. This is a federal FHA rule that applies in all states including California.
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About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the California.