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Directory of fha loan specialists in Ladera Ranch, California. Verify credentials with the state mortgage licensing authority before hiring.
3 agents listed
Updated May 2026
Ladera Ranch, 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 Ladera Ranch, 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.
Ladera Lending, Inc.
555 Corporate Dr, Ladera Ranch, CA 92694
8005929396
Franklin Direct
111 Corporate Dr Suite 170, Ladera Ranch, CA 92694
9492987060
Truss Financial Group
999 Corporate Dr, Ladera Ranch, CA 92694
8888787715
What Does a FHA Loan Specialist in Ladera Ranch Cost?
Typical costs for an FHA loan specialist in California include an origination fee of 1 percent of the loan amount, plus third-party fees for appraisal, credit report, and title search. Appraisal fees in Orange County range from $500 to $800. The upfront mortgage insurance premium is 1.75 percent of the loan amount, and annual mortgage insurance premiums range from 0.45 to 1.05 percent depending on loan term and loan-to-value ratio. 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 FHA loan limits for Ladera Ranch in 2025?
For 2025, the FHA loan limit for a single-family home in Orange County, including Ladera Ranch, is $1,209,750. This high-cost area limit applies because Orange County is designated as a high-cost area by the Department of Housing and Urban Development.
What is the minimum down payment for an FHA loan in California?
The minimum down payment for an FHA loan is 3.5 percent of the purchase price if your credit score is 580 or higher. If your credit score is between 500 and 579, you may qualify with a 10 percent down payment. California lenders must follow FHA guidelines for all loans.
Are there California-specific requirements for FHA loans?
Yes, California requires lenders to disclose the total loan costs and annual percentage rate within three business days of application. Additionally, California Civil Code Section 2948.5 requires lenders to provide a copy of the appraisal report to the borrower upon request.
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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.