Compare FHA Loan Specialists in Manteca, CA
Browse fha loan specialists serving Manteca, California. Contact information and addresses listed below.
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
State Mortgage Licensing Authority of California before hiring.
Showing 7 fha loan specialists in Manteca, 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.
What Does a FHA Loan Specialist in Manteca Cost?
Typical costs for an FHA loan in California include an upfront mortgage insurance premium (UFMIP) of 1.75 percent of the loan amount, and an annual mortgage insurance premium (MIP) ranging from 0.45 to 1.05 percent. Closing costs in Manteca generally range from 2 to 5 percent of the purchase price. These costs vary based on loan size, credit profile, and lender fees. 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 credit score is needed for an FHA loan in Manteca?
A minimum credit score of 580 is typically required for a 3.5 percent down payment. Scores between 500 and 579 may qualify with a 10 percent down payment. The lender will also review your debt to income ratio.
Are there California specific FHA loan limits for Manteca?
Yes, FHA loan limits vary by county. For San Joaquin County, the 2024 limit for a single family home is typically around $498,257. High cost areas may have higher limits. Check with a specialist for current figures.
How long does the FHA loan process take in California?
The process usually takes 30 to 45 days from application to closing. California requires a 10 day right of rescission for refinances. Delays can occur if additional documentation is needed.