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Find FHA Loan Specialists Near You in Los Alamitos, CA
Looking for a fha loan specialist in Los Alamitos? Review the directory below to compare your options.
7 agents listed
Updated May 2026
Los Alamitos, 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 7 fha loan specialists in Los Alamitos, 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.
Premier Wholesale Mortgage Inc.
4332 Cerritos Ave #208, Los Alamitos, CA 90720
8889582409
CLS Financial
4450 W Cerritos Ave, Los Alamitos, CA 90720
5625946884
Jesse Rivera - Prospect Lending
11140 Los Alamitos Blvd #201, Los Alamitos, CA 90720
5625766885
American Bankers Mortgage
5242 Katella Ave # 205, Los Alamitos, CA 90720
9493100057
Advantage One Home Loans
3347 W Cerritos Ave, Los Alamitos, CA 90720
7146468883
Ruth Luevano Pineda with Cal-Estate Funding
11110 Los Alamitos Blvd #201, Los Alamitos, CA 90720
5624930016
Loan Logic Financial Services
3662 Katella Ave UNIT 117, Los Alamitos, CA 90720
7146080955
An FHA loan specialist in Los Alamitos, California helps borrowers secure mortgages insured by the Federal Housing Administration. These loans often require a lower down payment and have flexible credit score requirements. In California, FHA loans must comply with state-specific escrow and disclosure laws, including the California Residential Mortgage Lending Act.
What Does a FHA Loan Specialist in Los Alamitos Cost?
Typical costs for an FHA loan specialist in California include an origination fee of 1% to 1.5% of the loan amount, plus third-party fees for appraisal, credit report, and title insurance. For a $500,000 loan, total closing costs often range from $8,000 to $15,000. The upfront MIP of 1.75% is added to the loan balance. These costs vary by lender and property type. 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 FHA loan limits for Los Alamitos in 2025?
For 2025, the FHA loan limit for a single-family home in Orange County, which includes Los Alamitos, is $1,209,750. This high limit reflects the area's elevated home prices. Limits are adjusted annually by HUD.
What is the minimum down payment for an FHA loan in California?
The minimum down payment for an FHA loan is 3.5% of the purchase price if your credit score is 580 or higher. If your score is between 500 and 579, a 10% down payment is required. California law does not add extra down payment rules beyond FHA guidelines.
Do FHA loans in California require mortgage insurance?
Yes, all FHA loans require both an upfront mortgage insurance premium (UFMIP) of 1.75% of the loan amount and an annual MIP that varies by loan term and loan-to-value ratio. In California, this insurance is typically required for the life of the loan if the down payment is less than 10%.
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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.