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Compare fha loan specialists in Laguna Hills. Review contact information and insurance categorys before you decide.
8 agents listed
Updated May 2026
Laguna Hills, 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 8 fha loan specialists in Laguna Hills, 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.
Qualified Home Loans
23330 Mill Creek Dr #150, Laguna Hills, CA 92653
8007810899
Kindly Loans, LLC.
23046 Avenida De La Carlota # 600, Laguna Hills, CA 92653
7148804809
Linour Lending
23382 Mill Creek Dr Suite 210, Laguna Hills, CA 92653
8883836044
AS IS Lending
23332 Mill Creek Dr #235, Laguna Hills, CA 92653
9494803443
Spectrum Lending Now
23282 Mill Creek Dr #225, Laguna Hills, CA 92653
9493338164
Manufactured Home Mortgage
23046 Avenida De La Carlota Suite 645, Laguna Hills, CA 92653
7073464331
Star Financial
23330 Mill Creek Dr Suite 250, Laguna Hills, CA 92653
8886717885
Tom Hodges with Qualified Home Loans
23330 Mill Creek Dr, Laguna Hills, CA 92653
9495283988
An FHA loan specialist in Laguna Hills, California helps homebuyers navigate FHA-insured mortgages, which require a minimum down payment of 3.5 percent. California law mandates that all FHA loans must comply with state licensing requirements under the California Department of Financial Protection and Innovation. Specialists in Laguna Hills understand local housing market conditions in Orange County and can guide borrowers through the approval process.
What Does a FHA Loan Specialist in Laguna Hills Cost?
Typical costs for an FHA loan specialist in California include an upfront mortgage insurance premium (UFMIP) of 1.75 percent of the loan amount and an annual MIP of 0.45 to 1.05 percent. Closing costs in Laguna Hills range from 2 to 5 percent of the purchase price, including lender fees, appraisal fees, and title insurance. Costs vary by lender, loan amount, and borrower qualifications. 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 credit score requirements for an FHA loan in Laguna Hills?
FHA loans typically require a minimum credit score of 580 for the 3.5 percent down payment option. Borrowers with scores between 500 and 579 may qualify with a 10 percent down payment. California lenders may impose additional overlays beyond FHA minimums.
Are there specific property requirements for FHA loans in California?
Yes, FHA loans require the property to meet minimum health and safety standards through an FHA appraisal. In California, properties must also comply with state seismic safety requirements. The home must be the borrower's primary residence.
How long does the FHA loan process take in Laguna Hills?
The typical FHA loan process in California takes 30 to 45 days from application to closing. Delays can occur if the property requires repairs or if appraisal issues arise. Pre-approval can speed up the timeline.
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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.