ADVERTISING DISCLOSURE: BeforeMortgageUSA.com is an informational directory, not an mortgage company or broker. We do not sell insurance or provide mortgage or financial advice. No broker-client relationship is created by using this site. No broker listed on this site has paid for, authorized, or approved their listing. This is an advertisement.
Find FHA Loan Specialists Near You in Morro Bay, CA
Compare fha loan specialists in Morro Bay. Review contact information and insurance categorys before you decide.
6 agents listed
Updated May 2026
Morro Bay, 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 6 fha loan specialists in Morro Bay, 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.
Envoy Mortgage - Morro Bay, CA
310 Morro Bay Blvd Suite 101, Morro Bay, CA 93442
8052256166
Sean Mertens - Assist Home Loans
1185 Las Tunas St, Morro Bay, CA 93442
8055409909
Steve Dinielli
310 Morro Bay Blvd, Morro Bay, CA 93442
8057723863
Central Coast Lending
601 Morro Bay Blvd Suite B, Morro Bay, CA 93442
8055435626
Chase Home Lending
595 Morro Bay Blvd, Morro Bay, CA 93442
8057724478
Michael McAvoy - Chase Home Lending Advisor - NMLS ID 1547403
595 Morro Bay Blvd, Morro Bay, CA 93442
8057724478
An FHA loan specialist in Morro Bay can help you navigate the Federal Housing Administration loan process. California has specific rules for FHA loans including higher loan limits for coastal counties. Morro Bay residents often use FHA loans to purchase homes with a low down payment.
What Does a FHA Loan Specialist in Morro Bay Cost?
Typical costs for an FHA loan specialist in California include an origination fee of 1 percent of the loan amount and third party fees such as appraisal and credit report. Appraisal costs in Morro Bay range from 500 to 700 dollars. Closing costs generally total 3 to 5 percent of the purchase price. 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 Morro Bay California?
For 2025 the FHA loan limit for San Luis Obispo County is $1,149,825 for a single family home. This high limit reflects the local median home prices. A specialist can confirm the exact limit for your property.
What credit score is needed for an FHA loan in California?
FHA loans typically require a minimum credit score of 580 for a 3.5 percent down payment. Borrowers with scores between 500 and 579 may qualify with a 10 percent down payment. California lenders may have their own overlays above these minimums.
Do FHA loans require mortgage insurance in California?
Yes all FHA loans require an upfront mortgage insurance premium of 1.75 percent of the loan amount. Annual mortgage insurance premiums also apply and last for the life of the loan if the down payment is less than 10 percent. This is a federal requirement not a state rule.
Free • No Obligation
Compare FHA Loan Specialists
Get matched with agents in Morro Bay who handle your type of case.
Affiliate Form Embed
Replace with iframe/embed code from your affiliate network
Affiliate Disclosure
The form above is provided by a third-party legal marketing service. BeforeMortgageUSA.com receives compensation when you submit a qualified inquiry. This is a free service with no obligation to hire any broker. Your information is collected and handled by the form provider according to their privacy policy.
Legal Notice
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.