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Find FHA Loan Specialists Near You in Los Gatos, CA
Looking for a fha loan specialist in Los Gatos? Review the directory below to compare your options.
18 agents listed
Updated May 2026
Los Gatos, 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 18 fha loan specialists in Los Gatos, 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.
Direct Mortgage Funding
236 N Santa Cruz Ave STE 103, Los Gatos, CA 95030
4083952000
New American Funding - Los Gatos, CA
1615 Los Gatos Blvd Ste 205, Los Gatos, CA 95032
4082283392
Robert Huibers, Mortgage Advisor
61 E Main St D, Los Gatos, CA 95032
6507201790
Guaranteed Rate Affinity - Robert Bachman
16185 Los Gatos Blvd Suite 205 Office 38, Los Gatos, CA 95032
4088582663
FIDA FUND
634 N Santa Cruz Ave UNIT 209, Los Gatos, CA 95030
6502003828
Linda Weilert, Reverse Mortgage Specialist
Tatyanna Teeuwisse, LAc, 14127 Capri Dr, Los Gatos, CA 95032
4086563751
New American Funding - Micah Gunter
16185 Los Gatos Blvd #205, Los Gatos, CA 95032
9168649526
Academy Mortgage
236 N Santa Cruz Ave UNIT 239, Los Gatos, CA 95030
4083160494
Bayview Residential Brokerage
987 University Ave STE 12, Los Gatos, CA 95032
4082982591
Mark Smith Home Loans
455 Los Gatos Blvd, Los Gatos, CA 95032
4084823165
Bryan Russell, Mortgage Consultant
459 Monterey Ave Suite 213, Los Gatos, CA 95030
4086555835
Brett Nicoletti
236 N Santa Cruz Ave UNIT 239, Los Gatos, CA 95030
4083160494
Krista Valpreda at Guaranteed Rate Affinity (NMLS #459894)
410 N Santa Cruz Ave, Los Gatos, CA 95030
9256359202
Victoria Capital Mortgage Company
455 Los Gatos Blvd # 100, Los Gatos, CA 95032
4083916550
Golden Mortgage Company, Inc.
223 W Main St D, Los Gatos, CA 95030
6692327045
Westside Mortgage Group
569 University Ave, Los Gatos, CA 95032
4083541864
Silicon Valley Mortgage
451 Los Gatos Blvd UNIT 104, Los Gatos, CA 95032
4084189811
Happy Investments, Inc. Los Gatos CA
15559 Union Ave Suite 3025 F, Los Gatos, CA 95032
6692211550
An FHA loan specialist in Los Gatos, California can help you navigate the Federal Housing Administration loan process. California law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System (NMLS). Los Gatos home buyers often use FHA loans for their lower down payment options and flexible credit requirements.
What Does a FHA Loan Specialist in Los Gatos Cost?
Typical costs for an FHA loan specialist in California include an origination fee of 1 to 2 percent of the loan amount, plus an upfront mortgage insurance premium (UFMIP) of 1.75 percent of the loan. Annual mortgage insurance premiums range from 0.45 to 1.05 percent. For a $800,000 loan in Los Gatos, total upfront costs could be $14,000 to $22,000. These costs vary by lender and your specific financial profile. 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 Gatos in 2025?
For Santa Clara County, which includes Los Gatos, the 2025 FHA loan limit for a single-family home is $1,209,750. This higher limit reflects the area's high-cost housing market as determined by the Department of Housing and Urban Development (HUD).
Do I need a specific license to be an FHA loan specialist in California?
Yes, California requires all mortgage loan originators to hold a valid license through the NMLS. They must also complete continuing education and pass a background check under California Financial Code Section 22100.
What documents do I need for an FHA loan application in Los Gatos?
You will need recent pay stubs, W-2 forms, tax returns from the last two years, bank statements, and proof of California residency. The specialist will also check your credit score, which must be at least 580 for a 3.5 percent down payment.
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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.