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Find FHA Loan Specialists Near You in Milpitas, CA
Looking for a fha loan specialist in Milpitas? Review the directory below to compare your options.
11 agents listed
Updated May 2026
Milpitas, 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 11 fha loan specialists in Milpitas, 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.
Oanh Nguyen - Realtor & Loan Officer
1313 N Milpitas Blvd # 245, Milpitas, CA 95035
4087801188
Abi Saied - Mercato Mortgage
1525 McCarthy Blvd Suite C1140, Milpitas, CA 95035
8883915288
F&H Capital
6 S Abbott Ave, Milpitas, CA 95035
4088383500
Low 30 Mortgage
1551 McCarthy Blvd STE 211, Milpitas, CA 95035
6508005800
Cal Coast Financial Corporation
200 Serra Way #44, Milpitas, CA 95035
5106839850
Aarax Home Loans Inc.
1313 N Milpitas Blvd #120, Milpitas, CA 95035
4088347407
Champion Home Loans, Inc.
372 Fairview Way, Milpitas, CA 95035
5106041265
Midland Financial Mortgage
615 S Main St, Milpitas, CA 95035
4089458833
Sal Guardino C2 Financial
1313 N Milpitas Blvd #141, Milpitas, CA 95035
4082176193
Nicolas Mortgage & Financial Services
16 Corning Ave # 230, Milpitas, CA 95035
4089570557
Veritas Wholesale Mortgage
830 Hillview Ct #140, Milpitas, CA 95035
4085384177
An FHA loan specialist in Milpitas can guide you through the process of obtaining a mortgage insured by the Federal Housing Administration. California law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System. Milpitas homeowners and buyers often use FHA loans for their lower down payment requirements and flexible credit guidelines.
What Does a FHA Loan Specialist in Milpitas Cost?
Typical costs for an FHA loan in California include an upfront mortgage insurance premium of 1.75 percent of the loan amount and annual mortgage insurance premiums ranging from 0.45 percent to 1.05 percent of the loan balance. Closing costs generally range from 2 to 5 percent of the loan amount and can include appraisal fees, title insurance, and lender fees. This is general information and 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 down payment requirements for an FHA loan in Milpitas?
FHA loans typically require a minimum down payment of 3.5 percent of the purchase price. This applies to borrowers with a credit score of 580 or higher. For scores between 500 and 579, a 10 percent down payment is usually required.
Are there specific loan limits for FHA loans in Santa Clara County?
Yes, FHA loan limits vary by county. For Santa Clara County in 2025, the FHA loan limit for a single family home is approximately $1,149,825. This high limit reflects the elevated home prices in the Milpitas area.
What is the mortgage insurance requirement for FHA loans in California?
FHA loans require both an upfront mortgage insurance premium of 1.75 percent of the loan amount and an annual premium that varies based on loan term and down payment. For most borrowers, the annual MIP is paid for the life of the loan if the down payment is less than 10 percent.
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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.