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Directory of fha loan specialists in La Palma, California. Verify credentials with the state mortgage licensing authority before hiring.
4 agents listed
Updated May 2026
La Palma, 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 La Palma, 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.
Legacy Home Mortgage Inc
6 Centerpointe Dr #700, La Palma, CA 90623
3109620609
The OC Mortgage Dude
6 Centerpointe Dr #700, La Palma, CA 90623
9493461731
Eddie Villalobos
6 Centerpointe Dr #700, La Palma, CA 90623
5622809615
Mortgage, Bank of America
5531 La Palma Ave, La Palma, CA 90623
7147021482
FHA loan specialists in La Palma, California help homebuyers secure government-backed mortgages with lower down payments and flexible credit requirements. California law requires all FHA loan originators to be licensed through the Nationwide Multistate Licensing System (NMLS). Local specialists understand Orange County housing market conditions and can guide you through FHA loan limits which for 2025 in Orange County are set at $1,209,750 for a single-family home.
What Does a FHA Loan Specialist in La Palma Cost?
Typical costs for an FHA loan in La Palma include an upfront mortgage insurance premium (UFMIP) of 1.75% of the loan amount, 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. Closing costs in California generally range from 2% to 5% of the purchase price, including lender fees, appraisal fees (around $500 to $700), and title insurance. 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 are the minimum credit score requirements for an FHA loan in La Palma?
For FHA loans in La Palma, the minimum credit score is typically 580 for a 3.5% down payment. Borrowers with scores between 500 and 579 may still qualify but must put down at least 10%. California law does not add extra credit score requirements beyond FHA guidelines.
How long does the FHA loan process take in California?
The FHA loan process in La Palma usually takes 30 to 45 days from application to closing. California requires a 7-day right of rescission for refinances under federal law. Delays can occur if property appraisals require repairs or if additional documentation is needed.
Are there California-specific FHA loan limits for La Palma?
Yes. For 2025, the FHA loan limit for a single-family home in Orange County, including La Palma, is $1,209,750. This is higher than the standard national limit due to the high-cost area designation. Limits are updated annually by the Department of Housing and Urban Development (HUD).
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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.