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Looking for a fha loan specialist in Folsom? Review the directory below to compare your options.
16 agents listed
Updated May 2026
Folsom, 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 Folsom, 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.
An FHA loan specialist in Folsom California helps home buyers and homeowners navigate FHA insured mortgage programs. California law requires all FHA loan specialists to hold a valid Mortgage Loan Originator license through the Nationwide Multistate Licensing System. Folsom buyers benefit from FHA loans that allow lower down payments and flexible credit requirements in the competitive Sacramento region housing market.
What Does a FHA Loan Specialist in Folsom Cost?
Typical costs for an FHA loan in California include an upfront mortgage insurance premium of 1.75 percent of the loan amount and an annual mortgage insurance premium ranging from 0.45 percent to 1.05 percent of the loan balance. Closing costs in Folsom generally range from 2 to 5 percent of the purchase price. Lender origination fees vary but often fall between 0.5 and 1.5 percent of the loan amount. This is general information and 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 Folsom California in 2025?
For 2025 the FHA loan limit for a single family home in Sacramento County including Folsom is $552,000 for low cost areas and up to $1,209,750 for high cost areas. These limits are set by the Department of Housing and Urban Development and can change annually.
What credit score is needed for an FHA loan in Folsom?
FHA loans typically 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. California lenders may have their own overlays above these minimums.
How long does FHA loan processing take in California?
FHA loan processing in California usually takes 30 to 45 days from application to closing. Delays can occur if additional documentation is needed or if the property requires FHA required repairs. California law requires lenders to provide a loan estimate within three business days of application.
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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.