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Browse fha loan specialists serving Fremont, California. Contact information and addresses listed below.
12 agents listed
Updated May 2026
Fremont, 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 12 fha loan specialists in Fremont, 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.
Diversified Mortgage Group
39300 Civic Center Dr, Fremont, CA 94538
5104947840
Kamna Mittal at Guaranteed Rate Affinity (NMLS #926641)
3340 Walnut Ave Ste 110, Fremont, CA 94538
6505159961
Supreme Lending
41111 Mission Blvd Ste 215, Fremont, CA 94539
6504009284
TransGlobal Lending - Top Mortgage Broker in Bay Area
3340 Walnut Ave Ste 275, Fremont, CA 94538
6504307299
Stepheny Chang - Mortgage and Real Estate
39465 Paseo Padre Pkwy #1500, Fremont, CA 94538
6504270222
Home Advantage Corporation
702 Brown Rd Suite 200, Fremont, CA 94539
5107952200
Horizon Financial Associates
39680 Mission Blvd, Fremont, CA 94539
5103779059
Associated Mortgage Group
39180 Liberty St #101, Fremont, CA 94538
5105051050
Abacus Financial Services
939 Corporate Way, Fremont, CA 94539
5103530855
Fremont Hii Loans
46509 Mission Blvd # 109-D, Fremont, CA 94539
5105052659
General Mortgage Capital Corporation - Fremont
39465 Paseo Padre Pkwy Suite 1100, Fremont, CA 94538
5106561480
Susan Munkner - Chase Home Lending Advisor - NMLS ID 112112
38980 Fremont Blvd, Fremont, CA 94536
9253394514
An FHA loan specialist in Fremont, California helps homebuyers navigate Federal Housing Administration loans, which require lower down payments and credit scores than conventional loans. California law mandates that all FHA loan originators hold a valid Mortgage Loan Originator license through the Nationwide Multistate Licensing System. Fremont buyers often use FHA loans to purchase homes in Alameda County, where median home prices exceed $1 million, making the 3.5 percent minimum down payment a key advantage.
What Does a FHA Loan Specialist in Fremont Cost?
Typical costs for an FHA loan specialist in California include an origination fee of 1 to 2 percent of the loan amount, plus a mandatory upfront mortgage insurance premium of 1.75 percent of the loan amount. Annual mortgage insurance premiums range from 0.45 to 1.05 percent of the loan balance. Third-party costs such as appraisal fees in Fremont average $500 to $700, and title insurance costs around $2,000 to $3,000. 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 is an FHA loan specialist in Fremont?
An FHA loan specialist is a licensed mortgage professional who guides borrowers through FHA loan requirements, including credit score minimums of 580 for 3.5 percent down and property appraisal standards. They help Fremont residents complete the loan application and ensure compliance with California state lending laws.
What are the FHA loan limits for Fremont California in 2025?
For 2025, the FHA loan limit for a single-family home in Alameda County, including Fremont, is $1,149,825 for high-cost areas. This limit is set by the Department of Housing and Urban Development and applies to FHA-insured loans in the region.
Do I need a special license to be an FHA loan specialist in California?
Yes, California requires all FHA loan specialists to hold a valid Mortgage Loan Originator license through the Nationwide Multistate Licensing System. They must also complete 20 hours of pre-licensing education and pass a national and state-specific exam.
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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.