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Compare fha loan specialists in Duarte. Review contact information and insurance categorys before you decide.
3 agents listed
Updated May 2026
Duarte, 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 Duarte, 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.
Stephen M Cabral - Mortgage Broker, nmls#1986872
3033 Gardi St, Duarte, CA 91010
6262635455
Mortgage, Bank of America
1440 E Huntington Dr, Duarte, CA 91010
6262634037
Chase Mortgage
1000 E Huntington Dr, Duarte, CA 91010
6263572518
An FHA loan specialist in Duarte California helps homebuyers secure government-backed mortgages with lower down payments. These loans are popular in the San Gabriel Valley due to flexible credit requirements and competitive rates. California law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System (NMLS).
What Does a FHA Loan Specialist in Duarte Cost?
Typical costs for an FHA loan in California include an upfront mortgage insurance premium (UFMIP) of 1.75 percent of the loan amount and an annual MIP of 0.55 percent to 0.85 percent. Closing costs usually range from 2 to 5 percent of the purchase price. For a 500,000 dollar home this means 10,000 to 25,000 dollars in closing costs plus the UFMIP. Costs vary by lender and loan size. 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 Duarte do?
An FHA loan specialist guides you through the FHA loan process from pre-approval to closing. They help you understand FHA requirements such as the 3.5 percent minimum down payment and the mortgage insurance premium (MIP). They also verify that the property meets FHA minimum property standards.
What are the FHA loan limits for Duarte California?
For 2024 the FHA loan limit for a single-family home in Los Angeles County including Duarte is 1,149,825 dollars. This high limit reflects the area median home prices. Loans above this amount require a jumbo or conventional loan.
How do I qualify for an FHA loan in Duarte?
You need a minimum credit score of 580 for the 3.5 percent down payment option. Scores between 500 and 579 require a 10 percent down payment. You must also have a debt-to-income ratio below 43 percent and provide proof of steady employment for at least two years.
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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.