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Showing 2 fha loan specialists in Chowchilla, CA
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Note Servicing Center
3275 E Robertson Blvd # B, Chowchilla, CA 93610
5596653456
Tri Counties Bank
305 Trinity Ave, Chowchilla, CA 93610
5596654868
What Does a FHA Loan Specialist in Chowchilla Cost?
Typical costs for an FHA loan in California include an upfront mortgage insurance premium (UFMIP) of 1.75 percent of the loan amount, plus an annual mortgage insurance premium (MIP) of 0.55 to 0.85 percent. Closing costs in Chowchilla generally range from 2 to 5 percent of the purchase price. Lender fees, appraisal fees, and title insurance costs vary by lender and property. 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 Chowchilla in 2025?
For 2025, the FHA loan limit for a single family home in Madera County is approximately $498,257. This limit is set by the Department of Housing and Urban Development and applies to most areas in California.
What credit score is needed for an FHA loan in California?
FHA loans typically require a minimum credit score of 580 for a 3.5 percent down payment. Borrowers with a score between 500 and 579 may still qualify with a 10 percent down payment. Each lender may have overlays with stricter requirements.
Are there California specific rules for FHA loans?
Yes, California requires lenders to provide a California Residential Mortgage Lending Act disclosure. The state also has specific rules about prepayment penalties and escrow accounts. FHA loans in California must comply with both federal HUD guidelines and state lending laws.