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Directory of fha loan specialists in Laguna Niguel, California. Verify credentials with the state mortgage licensing authority before hiring.
8 agents listed
Updated May 2026
Laguna Niguel, 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 Niguel, 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.
Sabina Adamski at Guaranteed Rate Affinity (NMLS 1598145)
28051 Greenfield Dr A Ste, Laguna Niguel, CA 92677
9495912787
Network Lending Services
30131 Town Center Dr #180, Laguna Niguel, CA 92677
9497979188
Mortgage Moon
28202 Cabot Rd UNIT 100, Laguna Niguel, CA 92677
8003857590
Logical Home Lending
23807 Aliso Creek Rd #202, Laguna Niguel, CA 92677
3102835410
La Paz Mortgage INC
30131 Town Center Dr #177, Laguna Niguel, CA 92677
9497706067
Mortgage Grader
23807 Aliso Creek Rd #210, Laguna Niguel, CA 92677
9493899333
FHA loan specialists in Laguna Niguel California help home buyers and homeowners navigate FHA insured mortgages. California law requires specific disclosures for FHA loans including the California Residential Purchase Agreement Addendum. These specialists can guide you through Orange County housing market conditions and FHA loan limits.
What Does a FHA Loan Specialist in Laguna Niguel 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 is 1.75 percent of the base loan amount. Annual mortgage insurance premiums range from 0.45 to 1.05 percent depending on loan term and down payment. Appraisal fees in Orange County average 500 to 700 dollars. 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 does an FHA loan specialist in Laguna Niguel do?
An FHA loan specialist helps you apply for a Federal Housing Administration insured mortgage. They assist with credit requirements down payment options and California specific property standards. They also ensure compliance with California Civil Code sections related to mortgage disclosures.
What are the FHA loan limits for Laguna Niguel California?
FHA loan limits in Orange County California vary by property type. For 2024 the single family home limit in Laguna Niguel is approximately one million dollars. Limits are adjusted annually based on the California median home price.
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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.