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Find FHA Loan Specialists Near You in Gold River, CA
Browse fha loan specialists serving Gold River, California. Contact information and addresses listed below.
3 agents listed
Updated May 2026
Gold River, 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 3 fha loan specialists in Gold River, 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.
Joe Alves, California Home Loans
11344 Coloma Rd suite #300, Gold River, CA 95670
9169456242
Mortgage Consultants Group - Jim Langdon
2200 Sunrise Blvd #168, Gold River, CA 95670
9167175626
Pacific National Lending, inc
2377 Gold Meadow Way, Gold River, CA 95670
9165262700
An FHA loan specialist in Gold River, California helps homebuyers navigate government-backed loans insured by the Federal Housing Administration. These loans often require a lower down payment and have flexible credit score requirements compared to conventional loans. California law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System (NMLS), and specialists in Gold River must comply with state regulations including the California Residential Mortgage Lending Act.
What Does a FHA Loan Specialist in Gold River Cost?
Typical costs for an FHA loan specialist in California include an origination fee of 1% to 1.5% of the loan amount, plus an upfront mortgage insurance premium (UFMIP) of 1.75% of the loan, which can be financed into the loan. Annual mortgage insurance premiums (MIP) range from 0.45% to 1.05% of the loan balance, depending on loan term and down payment. Third-party costs like appraisal (around $500 to $700) and credit report fees ($30 to $50) also apply. These costs vary by lender and borrower situation. 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 is an FHA loan and who qualifies for it in Gold River?
An FHA loan is a mortgage insured by the Federal Housing Administration, designed for borrowers with lower credit scores or limited down payment funds. In California, you qualify if you have a credit score of at least 580 for a 3.5% down payment, or 500-579 with a 10% down payment. The property must be your primary residence and meet FHA appraisal standards.
What are the FHA loan limits for Gold River, California in 2025?
For 2025, the FHA loan limit for a single-family home in Sacramento County, which includes Gold River, is $524,225 for low-cost areas and up to $1,209,750 for high-cost areas. These limits are set by the U.S. Department of Housing and Urban Development (HUD) and are adjusted annually based on median home prices.
How long does the FHA loan process take in California?
The typical FHA loan process in California takes 30 to 45 days from application to closing. This timeline includes appraisal, underwriting, and compliance with California disclosure laws such as the California Residential Purchase Agreement. Delays can occur if additional documentation is needed or if the property requires repairs.
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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.