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Directory of fha loan specialists in Menlo Park, California. Verify credentials with the state mortgage licensing authority before hiring.
4 agents listed
Updated May 2026
Menlo Park, 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 4 fha loan specialists in Menlo Park, 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.
YouLand
2740 Sand Hill Rd Suite 100, Menlo Park, CA 94025
8339685263
Serenity Home Loans
3875 Bohannon Dr #2520, Menlo Park, CA 94026
6508001520
Vale Capital
770 Menlo Ave #201, Menlo Park, CA 94025
6506007250
Victor Chow - 985762 - Wells Fargo Home Mortgage
735 Santa Cruz Ave, Menlo Park, CA 94025
5103355592
An FHA loan specialist in Menlo Park can help you navigate the Federal Housing Administration loan process. California has specific disclosure requirements under the California Residential Mortgage Lending Act. These specialists assist with low down payment options and credit requirements for homebuyers in San Mateo County.
What Does a FHA Loan Specialist in Menlo Park Cost?
Typical costs for an FHA loan in California include an upfront mortgage insurance premium of 1.75 percent of the loan amount and an annual MIP of 0.55 percent to 0.85 percent. Closing costs range from 2 to 5 percent of the purchase price. In Menlo Park, appraisal fees are around $500 to $700. 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 Menlo Park California?
For 2024 the FHA loan limit for a single-family home in San Mateo County including Menlo Park is $1,149,825. This high limit reflects the area's elevated home prices. Limits are updated annually by the Department of Housing and Urban Development.
What credit score is needed for an FHA loan in California?
The minimum credit score for an FHA loan is 500 with a 10 percent down payment. A score of 580 or higher allows a 3.5 percent down payment. California lenders may have their own overlays requiring higher scores.
How long does the FHA loan process take in California?
The typical FHA loan process takes 30 to 45 days from application to closing. California law requires a three-day right of rescission after signing loan documents. Delays can occur if additional appraisals or documentation are needed.
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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.