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Compare fha loan specialists in Lafayette. Review contact information and insurance categorys before you decide.
12 agents listed
Updated May 2026
Lafayette, 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 12 fha loan specialists in Lafayette, 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.
CA Mortgage Pro: Jerry Siegel, Mortgage Broker
3059 Rohrer Dr, Lafayette, CA 94549
9253858621
Jenna Gray Benett at Rate (NMLS #245851)
3400 Mount Diablo Blvd Suite 3, Lafayette, CA 94549
9253223162
Rubicon Mortgage Fund, LLC
3575 Mount Diablo Blvd #215, Lafayette, CA 94549
9252838919
Evelyn Freitas at Rate (NMLS #247578)
3400 Mount Diablo Blvd Suite 3, Lafayette, CA 94549
5102544674
Jason Yui at Rate (NMLS #1426398)
3400 Mount Diablo Blvd Suite 3, Lafayette, CA 94549
5109032230
Classic Home Loans
3650 Mount Diablo Blvd #240, Lafayette, CA 94549
9252995390
Jeff Becker at Guaranteed Rate
3400 Mount Diablo Blvd Suite 3, Lafayette, CA 94549
9255511499
Steve Carlin at Rate (NMLS #241643)
3400 Mount Diablo Blvd Suite 3, Lafayette, CA 94549
9254084606
American Pacific Mortgage
985 Moraga Rd #205, Lafayette, CA 94549
9252976177
Chase Home Lending
3603 Mount Diablo Blvd, Lafayette, CA 94549
5105997289
Bay Area Loan Source
3650 Mount Diablo Blvd #240, Lafayette, CA 94549
9252995390
Happy Investments, Inc. Lafayette CA
3559 Mount Diablo Blvd suite 334-e, Lafayette, CA 94549
9252982109
FHA loan specialists in Lafayette California help homebuyers secure mortgages insured by the Federal Housing Administration. These loans are popular for first-time buyers and those with lower credit scores. California law requires specialists to hold a valid mortgage loan originator license through the Nationwide Multistate Licensing System (NMLS).
What Does a FHA Loan Specialist in Lafayette Cost?
Typical costs for an FHA loan specialist in California include an origination fee of 1 to 2 percent of the loan amount. Upfront mortgage insurance premium (UFMIP) is 1.75 percent of the loan, and annual MIP ranges from 0.45 to 1.05 percent depending on loan term and amount. Closing costs in Lafayette usually total 3 to 5 percent of the purchase price. 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 FHA loan requirements in California?
FHA loans in California require a minimum credit score of 580 for a 3.5 percent down payment. Borrowers must also have a debt-to-income ratio below 43 percent and the property must meet FHA appraisal standards. California specific rules include additional disclosures for high-cost areas like Lafayette.
How do I choose an FHA loan specialist in Lafayette?
Look for a specialist licensed in California with experience in FHA lending. Verify their NMLS number and check for any disciplinary history through the California Department of Financial Protection and Innovation. Ask about their familiarity with Contra Costa County property values and local appraisal trends.
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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.