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Looking for a fha loan specialist in Lompoc? Review the directory below to compare your options.
10 agents listed
Updated May 2026
Lompoc, 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 10 fha loan specialists in Lompoc, 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.
CoastHills Credit Union
1320 N H St, Lompoc, CA 93436
8057337600
Legacy Homes and Invesments
118 N H St, Lompoc, CA 93436
8057172160
CoastHills Credit Union
3880 Constellation Rd, Lompoc, CA 93436
8057337600
Leachman Home Loans
100 E Ocean Ave, Lompoc, CA 93436
8057358687
Bank of America Financial Center
1409 N H St STE 110, Lompoc, CA 93436
8058003002
Chase Home Lending
1508 N H St, Lompoc, CA 93436
3032444050
Homebridge Financial Services, Inc.
112 N H St Suite 114, Lompoc, CA 93436
8052467614
Jennifer CruzAgency
1201 E Ocean Ave, Lompoc, CA 93436
8058190821
Envoy Mortgage - Lompoc, CA
3775 Constellation Rd Suite 3, Lompoc, CA 93436
8059441812
Main Stream Financial
1137 N H St M, Lompoc, CA 93436
8057358687
An FHA loan specialist in Lompoc California helps borrowers qualify for government backed mortgages with lower down payments. California law requires FHA loans to meet specific property standards and debt to income ratios. Lompoc residents often use FHA loans for home purchases in the local housing market.
What Does a FHA Loan Specialist in Lompoc Cost?
Typical costs for FHA loan specialist services in California include an upfront mortgage insurance premium of 1.75 percent of the loan amount and an annual premium of 0.55 to 0.85 percent. Lender fees can range from 500 to 1500 dollars. Appraisal costs are around 400 to 700 dollars. 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 does an FHA loan specialist do in Lompoc?
An FHA loan specialist guides you through the FHA loan process including credit checks and property appraisals. They help you understand California specific requirements like the minimum 3.5 percent down payment. They also assist with documentation for FHA approved lenders.
Are FHA loans available for condos in Lompoc?
Yes FHA loans are available for condos in Lompoc but the condo complex must be on the FHA approved list. California law requires that the complex meets FHA guidelines for owner occupancy and financial stability. Your specialist can check if your desired condo is eligible.
How long does an FHA loan process take in California?
The typical FHA loan process in California takes 30 to 45 days from application to closing. This timeline includes appraisal review and underwriting. Delays can occur if additional documentation is needed for California specific property requirements.
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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.