ADVERTISING DISCLOSURE: BeforeMortgageUSA.com is an informational directory, not an mortgage company or broker. We do not sell insurance or provide mortgage or financial advice. No broker-client relationship is created by using this site. No broker listed on this site has paid for, authorized, or approved their listing. This is an advertisement.
Browse fha loan specialists serving Gardena, California. Contact information and addresses listed below.
4 agents listed
Updated May 2026
Gardena, 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 4 fha loan specialists in Gardena, 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.
Blue Vista Mortgage
18321 S Western Ave # J, Gardena, CA 90248
3108180270
Inspire Home Loans - Gardena, CA
16921 S Western Ave UNIT 101, Gardena, CA 90247
3102172351
Chase Home Lending
1301 W Redondo Beach Blvd, Gardena, CA 90247
5629235930
Centsable Mortgage
1212 W Gardena Blvd, Gardena, CA 90247
3104641144
An FHA loan specialist in Gardena, California helps homebuyers navigate FHA-insured mortgages, which are popular for their low down payment requirements. These specialists understand California-specific rules, such as state-mandated disclosures and the California Housing Finance Agency guidelines that may apply alongside FHA standards. Working with a local specialist ensures you meet all federal and state requirements for a smooth home purchase in Gardena.
What Does a FHA Loan Specialist in Gardena Cost?
Typical costs for an FHA loan in California include an upfront mortgage insurance premium of 1.75% of the loan amount and an annual mortgage insurance premium of 0.55% to 0.85% depending on the loan term and loan-to-value ratio. Closing costs in Gardena range from 3% to 5% of the purchase price, covering appraisal, title insurance, and lender fees. These costs vary by lender and property. 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 Gardena, California?
For 2025, the FHA loan limit for a single-family home in Los Angeles County, which includes Gardena, is $1,209,750. This limit applies to high-cost areas and is adjusted annually by the Department of Housing and Urban Development.
What documents do I need for an FHA loan in California?
You typically need recent pay stubs, W-2 forms, tax returns, bank statements, and a valid government ID. California also requires a signed disclosure of the Loan Estimate and Closing Disclosure under state law.
How long does the FHA loan process take in Gardena?
The process usually takes 30 to 45 days from application to closing. California law requires a three-business-day review period for the Closing Disclosure before finalizing the loan.
Free • No Obligation
Compare FHA Loan Specialists
Get matched with agents in Gardena who handle your type of case.
Affiliate Form Embed
Replace with iframe/embed code from your affiliate network
Affiliate Disclosure
The form above is provided by a third-party legal marketing service. BeforeMortgageUSA.com receives compensation when you submit a qualified inquiry. This is a free service with no obligation to hire any broker. Your information is collected and handled by the form provider according to their privacy policy.
Legal Notice
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.