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Compare fha loan specialists in Huntington Beach. Review contact information and insurance categorys before you decide.
19 agents listed
Updated May 2026
Huntington Beach, 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 19 fha loan specialists in Huntington Beach, 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.
Summit Home Lending
17011 Beach Blvd Suite 1100, Huntington Beach, CA 92647
7145369500
JMJ Financial - Huntington Beach Branch
19671 Beach Blvd Suite 202, Huntington Beach, CA 92648
7143308263
Brighter Lending
8092 Warner Ave, Huntington Beach, CA 92647
9498777757
Jackie Barikhan - Summit Lending
18281 Gothard St #203, Huntington Beach, CA 92648
9496000944
BuyWise Mortgage
2130 Main St #290, Huntington Beach, CA 92648
7149165727
Revival Lending
17011 Beach Blvd #510, Huntington Beach, CA 92647
7142575284
J&J COASTAL LENDING - JOHN A SORICELLI JR
214 5th St Unit 202, Huntington Beach, CA 92648
9494783863
New American Funding - Huntington Beach, CA
20422 Beach Blvd #100, Huntington Beach, CA 92648
7145815324
Vista Funding Corporation
18682 Beach Blvd ste 205, Huntington Beach, CA 92648
7149651234
Pacific Coast Funding
419 Main St #367, Huntington Beach, CA 92648
7146082447
The Mortgage Hub
5882 Bolsa Ave Ste #250, Huntington Beach, CA 92649
8882738734
Advanced Horizon Lending
7755 Center Ave 11th floor, Huntington Beach, CA 92647
7147675664
The Wright Loans
2130 Main St #250, Huntington Beach, CA 92648
7145362200
Quest Home Loans
4952 Warner Ave Suite 251, Huntington Beach, CA 92649
7146438488
Flex Funding
7755 Center Ave Suite 1100, Huntington Beach, CA 92647
7143177250
Homeowners Mortgage and Equity, Inc
17011 Beach Blvd Suite 900-826, Huntington Beach, CA 92647
8004056000
Fellowship Home Loans
16541 Gothard St #207, Huntington Beach, CA 92647
8008047283
DiVita Home Finance, Inc., Your California Mortgage Experts
20422 Beach Blvd Sut.120, Huntington Beach, CA 92648
9492795595
Sheridan Mortgage
6272 Fallingwater Dr, Huntington Beach, CA 92647
8009788029
An FHA loan specialist in Huntington Beach can guide you through the process of obtaining a mortgage insured by the Federal Housing Administration. California law requires lenders to provide specific disclosures, such as the California Residential Mortgage Lending Act notice. Local specialists understand Orange County market conditions and can help you meet FHA credit and down payment guidelines.
What Does a FHA Loan Specialist in Huntington Beach Cost?
Typical costs for an FHA loan specialist in California include an origination fee of 0.5% to 1.0% of the loan amount, plus third-party fees for appraisal ($500 to $700), credit report ($30 to $50), and title insurance ($1,500 to $3,000). The upfront mortgage insurance premium (UFMIP) is 1.75% of the loan amount, and annual MIP ranges from 0.45% to 1.05% depending on loan term and down payment. 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 Huntington Beach in 2025?
For 2025, the FHA loan limit for a single-family home in Orange County, including Huntington Beach, is $1,209,750. This high-cost area limit applies because median home prices exceed standard caps. Limits are updated annually by HUD.
What credit score do I need for an FHA loan in California?
FHA loans typically require a minimum credit score of 580 for a 3.5% down payment. Borrowers with scores between 500 and 579 may qualify with a 10% down payment. California lenders may have overlays requiring higher scores, so check with your specialist.
Are there California-specific rules for FHA loan appraisals?
Yes, California requires FHA appraisals to include a property inspection addendum for termite and dry rot damage, common in coastal areas like Huntington Beach. The appraiser must also verify compliance with California seismic retrofit standards for older homes.
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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.