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Directory of fha loan specialists in Encinitas, California. Verify credentials with the state mortgage licensing authority before hiring.
14 agents listed
Updated May 2026
Encinitas, 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 14 fha loan specialists in Encinitas, 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.
Dave Pennington at CrossCountry Mortgage
322 Encinitas Blvd #170, Encinitas, CA 92024
6199949723
Hougard Loans, Bayshore Home Loans
700 2nd St Suite E, Encinitas, CA 92024
8009822680
Moose Mau
144 W D St Suite 115, Encinitas, CA 92024
6192519776
BluPrint Home Loans
607 N Vulcan Ave Unit 6, Encinitas, CA 92024
8884054580
Zachary Taylor at CrossCountry Mortgage, LLC
322 Encinitas Blvd #170, Encinitas, CA 92024
6198137908
Laura Silva- APM - Encinitas, American Pacific Mortgage, Inc.
527 Encinitas Blvd STE 202, Encinitas, CA 92024
8585185491
Kolby Gibson- APM- Encinitas / American Pacific Mortgage, Inc.
515 Encinitas Blvd #202, Encinitas, CA 92024
7605572230
Hargrave Home Loans - Mortgage Broker
208 W J St, Encinitas, CA 92024
8583040572
MyPrimeHomeLoan.com LLC
1084 N El Camino Real B138, Encinitas, CA 92024
8006006745
Chaz Hinz at CrossCountry Mortgage
169 Saxony Rd Suite 101, Encinitas, CA 92024
8589220645
Marc Datnow at Rate (NMLS #1707820)
617 Saxony Pl Suite 101, Encinitas, CA 92024
6195353170
IFC Mortgage
326 Encinitas Blvd Suite 200, Encinitas, CA 92024
7609436777
The Home Loan Collective - NEO Home Loans
662 Encinitas Blvd Ste. 201, Encinitas, CA 92024
8584019353
Pianin Team at Rate (NMLS #304014)
617 Saxony Pl Suite 101, Encinitas, CA 92024
6192192277
An FHA loan specialist in Encinitas helps homebuyers navigate the Federal Housing Administration loan process. California has specific rules for FHA loans, including higher loan limits in San Diego County. Encinitas buyers often use FHA loans for its lower down payment options and flexible credit requirements.
What Does a FHA Loan Specialist in Encinitas Cost?
Typical costs for an FHA loan specialist in California range from 1 to 2 percent of the loan amount as an origination fee. For a $500,000 loan this could be $5,000 to $10,000. Additional costs include appraisal fees around $500 to $700 and credit report fees of $30 to $50. Costs vary by lender and loan complexity. 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 FHA loan limits for Encinitas in 2025?
For 2025, the FHA loan limit for a single-family home in San Diego County, including Encinitas, is $1,209,750. This amount is set by the Department of Housing and Urban Development and may change annually.
What credit score is needed for an FHA loan in California?
FHA loans require a minimum credit score of 580 for a 3.5 percent down payment. Borrowers with scores between 500 and 579 may qualify with a 10 percent down payment. Each lender may have stricter requirements.
Do FHA loans require mortgage insurance in California?
Yes, FHA loans require an upfront mortgage insurance premium of 1.75 percent of the loan amount. Borrowers also pay an annual MIP of 0.55 percent to 0.85 percent, depending on loan term and down payment. This insurance protects the lender.
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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.