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Looking for a fha loan specialist in Ceres? Review the directory below to compare your options.
3 agents listed
Updated May 2026
Ceres, 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 3 fha loan specialists in Ceres, 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.
Celena Villarreal
2840 Robmar Ct, Ceres, CA 95307
2096028030
Professional Mortgage Associates
3641 Mitchell Rd # A1, Ceres, CA 95307
2095381303
Fairway Independent Mortgage Corporation
2920 3rd St, Ceres, CA 95307
2096041824
An FHA loan specialist in Ceres, California helps homebuyers navigate Federal Housing Administration loans, which are popular for first-time buyers and those with lower credit scores. California law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System (NMLS). Ceres residents often use FHA loans for single-family homes or condos in Stanislaus County, where median home prices are lower than the state average.
What Does a FHA Loan Specialist in Ceres Cost?
Typical costs for an FHA loan in Ceres, California include an origination fee of 0.5% to 1% of the loan amount, appraisal fees of $500 to $700, and third-party fees for credit reports and title insurance. The upfront mortgage insurance premium is 1.75% of the loan amount, and annual mortgage insurance premiums range from 0.45% to 1.05% of the loan balance. Costs vary by lender and borrower circumstances. This is general information, 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 Ceres, California in 2025?
For 2025, the FHA loan limit for a single-family home in Stanislaus County, including Ceres, is $524,225. This limit applies to most areas and is set by the Department of Housing and Urban Development (HUD). Higher limits may apply for multi-unit properties.
What credit score is needed for an FHA loan in Ceres?
FHA loans generally require a minimum credit score of 580 for a 3.5% down payment. Borrowers with scores between 500 and 579 may qualify with a 10% down payment. California lenders may have their own overlays, so requirements can vary.
Do FHA loans require mortgage insurance in California?
Yes, FHA loans require both an upfront mortgage insurance premium (UFMIP) of 1.75% of the loan amount and an annual MIP that varies by loan term and down payment. For most loans, the annual MIP is paid for the life of the loan if the down payment is less than 10%.
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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.