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Showing 3 fha loan specialists in Foothill Ranch, 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.
Valorem Lending
26672 Towne Centre Dr Ste 125, Foothill Ranch, CA 92610
8558256736
SoCal Purchase Loans
26632 Towne Centre Dr Suite 301, Foothill Ranch, CA 92610
8584013332
Haven West Mortgage
26632 Towne Centre Dr # 300, Foothill Ranch, CA 92610
8009921900
What Does a FHA Loan Specialist in Foothill Ranch Cost?
Typical costs for an FHA loan specialist in California include an origination fee of 1% to 1.5% of the loan amount. Third party fees such as appraisal and credit report range from $500 to $1,200. Closing costs in Orange County average 3% to 5% of the purchase price. 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 Foothill Ranch in 2025?
For 2025 the FHA loan limit for a single family home in Orange County is $1,209,750. This high limit reflects the area median home price. Limits are set by HUD and updated annually.
Do FHA loans in California require mortgage insurance?
Yes all FHA loans require an upfront mortgage insurance premium of 1.75% of the loan amount. You also pay an annual MIP which varies from 0.45% to 1.05% depending on loan term and down payment. This insurance protects the lender.
Can I use an FHA loan for a condo in Foothill Ranch?
Yes but the condo complex must be on the FHA approved condominium list. Many complexes in Foothill Ranch are approved. Your specialist can check the HUD database to confirm eligibility before you apply.