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Looking for a fha loan specialist in El Centro? Review the directory below to compare your options.
16 agents listed
Updated May 2026
El Centro, 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 16 fha loan specialists in El Centro, 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.
PrimeLending, A PlainsCapital Company - El Centro
1503 N Imperial Ave Suite 101A, El Centro, CA 92243
7603371253
Daniel Torres Home Loans
1405 N Imperial Ave suite a, El Centro, CA 92243
7609608463
Envision Home Loans by Efinity Mortgage - El Centro
1409 W State St, El Centro, CA 92243
7603363911
Cornerstone First Mortgage: Eddie Cardenas
1379 N Imperial Ave, El Centro, CA 92243
7608865555
Edward Alcantar @ Efinity Mortgage
1409 W State St, El Centro, CA 92243
7605620448
Braulio Ramirez - Loan Officer
428 N Imperial Ave, El Centro, CA 92243
6193712634
Guild Mortgage - Lisa Winkler
300 S Imperial Ave # 2, El Centro, CA 92243
2534606200
Mr. Mortgage Inc
1596 S Imperial Ave, El Centro, CA 92243
7603527000
IV Alliance Mortgage & Real Estate
395 Broadway, El Centro, CA 92243
7603700042
Guild Mortgage Company
300 S Imperial Ave # 2, El Centro, CA 92243
7609604246
Mario Olvera
428 N Imperial Ave, El Centro, CA 92243
7605924674
Cesar Hernandez - Envision Home Loans by Efinity Mortgage - El Centro
1409 W State St, El Centro, CA 92243
7603363911
Mortgage Broker/ Best Mortgage Lender- Edward "Eddie" Cardenas
1379 N Imperial Ave, El Centro, CA 92243
7608865555
Preferred Rate - El Centro
3205 S Dogwood Rd Suite B, El Centro, CA 92243
7609603524
Sabrina K Hernandez
1409 W State St, El Centro, CA 92243
7607911988
Zinnia Sanchez
1409 W State St, El Centro, CA 92243
7605549606
An FHA loan specialist in El Centro, California helps borrowers navigate FHA-insured mortgages, which are popular in the Imperial Valley due to lower down payment requirements. California law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System (NMLS). Local specialists understand the unique housing market in El Centro and can guide you through FHA loan limits and property eligibility.
What Does a FHA Loan Specialist in El Centro Cost?
Typical costs for an FHA loan in El Centro include an upfront mortgage insurance premium (UFMIP) of 1.75% of the loan amount, and an annual mortgage insurance premium (MIP) ranging from 0.45% to 1.05% of the loan balance. Closing costs usually range from 2% to 5% of the purchase price, including appraisal fees of $500 to $700 and title insurance. 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 are the FHA loan limits for El Centro California?
For 2024, the FHA loan limit for a single-family home in Imperial County is $498,257. This limit applies to most areas in El Centro and is set by the Department of Housing and Urban Development (HUD).
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% down payment. Borrowers with scores between 500 and 579 may qualify with a 10% down payment. California lenders may have overlays requiring higher scores.
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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.