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Looking for a fha loan specialist in Dana Point? Review the directory below to compare your options.
7 agents listed
Updated May 2026
Dana Point, 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 7 fha loan specialists in Dana Point, 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.
Bydand Home Loans
34010 Callita, Dana Point, CA 92629
8773060222
The Dave Brown Team, First Class Lending
24701 La Plaza #103, Dana Point, CA 92629
7143450914
OC Home Loans, Inc.
24302 Del Prado Ave # B, Dana Point, CA 92629
9499169608
Karen Card, The Card Team at APM
24701 La Plaza #103, Dana Point, CA 92629
7142906940
Orange County Mortgage & Loan Specialist
34071 La Plaza Ste. 203, Dana Point, CA 92629
8559687684
Lyon House
34179 Golden Lantern # 103, Dana Point, CA 92629
9492413900
Omni-Fund Inc.- Refinance & Purchase Home Loan
34144 CA-1, Dana Point, CA 92629
9494814538
An FHA loan specialist in Dana Point helps homebuyers and homeowners navigate government-insured loans backed by the Federal Housing Administration. California law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System (NMLS). Local specialists understand Orange County property values and can guide you through FHA loan limits, which for 2025 in Orange County are set at 115 percent of the area median price.
What Does a FHA Loan Specialist in Dana Point Cost?
Typical costs for an FHA loan specialist in California include an origination fee of 1 to 2 percent of the loan amount, plus third-party fees for appraisal, credit report, and title insurance. For a 500,000 dollar loan, total closing costs often range from 10,000 to 15,000 dollars. Mortgage insurance premiums include an upfront fee of 1.75 percent of the loan and an annual premium of 0.55 to 0.85 percent. 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 does an FHA loan specialist in Dana Point do?
An FHA loan specialist helps you apply for FHA-insured mortgages, including purchase loans, streamline refinances, and FHA 203(k) renovation loans. They verify your eligibility, calculate mortgage insurance premiums, and ensure compliance with California lending laws.
What are the FHA loan limits for Dana Point in 2025?
For 2025, the FHA loan limit for a single-family home in Orange County is 1,209,750 dollars. This high limit reflects the elevated home prices in Dana Point and the surrounding area. Your specialist can confirm the exact limit for your property type.
How do I qualify for an FHA loan in California?
You need a minimum credit score of 580 for a 3.5 percent down payment, or 500 with a 10 percent down payment. California law also requires proof of steady income and a debt-to-income ratio below 43 percent. The property must meet FHA safety and appraisal standards.
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BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
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.