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 5 fha loan specialists in Montclair, 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.
AMC Home Financial Services
5206 Benito St Suite 211, Montclair, CA 91763
6267808268
Sanchez Lending Group
5206 Benito St # 113, Montclair, CA 91763
9096579112
Max Mortgage Lending
5050 Palo Verde St #127, Montclair, CA 91763
9095528022
April Sauseda Home Loans
4959 Palo Verde St suite 106c-8, Montclair, CA 91763
9094771441
Alpha Home Loans, Inc.
5405 Arrow Hwy ste 102, Montclair, CA 91763
9092354990
What Does a FHA Loan Specialist in Montclair Cost?
Typical costs for an FHA loan in California include an upfront mortgage insurance premium of 1.75% of the loan amount, plus an annual premium of 0.55% to 0.85% depending on loan term and down payment. Closing costs generally range from 2% to 5% of the purchase price, or about $6,000 to $15,000 on a $300,000 home. Appraisal fees in Montclair average $500 to $700. 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 Montclair California?
For 2025, the FHA loan limit for a single-family home in San Bernardino County, which includes Montclair, is $552,000. This limit applies to standard FHA loans and may be higher for duplexes or triplexes.
Do I need a specific credit score for an FHA loan in California?
Yes. To qualify for the 3.5% down payment option, you need a minimum credit score of 580. If your score is between 500 and 579, you may still qualify but must put down at least 10%.
Are there California-specific requirements for FHA loans?
California requires all FHA loan applicants to complete a homebuyer education course from a HUD-approved agency. Additionally, California law limits prepayment penalties on FHA loans to the first three years of the loan term.