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Directory of fha loan specialists in Oakley, California. Verify credentials with the state mortgage licensing authority before hiring.
2 agents listed
Updated May 2026
Oakley, 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 2 fha loan specialists in Oakley, 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.
Chase Home Lending
2535 Main St, Oakley, CA 94561
3216969021
Allure Home Loans and Realty, Inc.
262 Hibiscus Way, Oakley, CA 94561
9253384832
An FHA loan specialist in Oakley California helps home buyers and homeowners navigate government-backed mortgage programs. These loans are popular in the East Bay area due to lower down payment requirements and flexible credit guidelines. California law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System (NMLS).
What Does a FHA Loan Specialist in Oakley 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 MIP of 0.55 percent. Closing costs usually range from 2 to 5 percent of the purchase price. For a $600,000 home in Oakley, total closing costs might be between $12,000 and $30,000. 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 minimum FHA loan requirements in Oakley California?
FHA loans require a minimum 3.5 percent down payment and a credit score of at least 580. The property must meet HUD safety and livability standards. Borrowers must also have a valid Social Security number and lawful residency in the United States.
How does the California FHA loan limit affect Oakley home buyers?
For 2025 the FHA loan limit for a single-family home in Contra Costa County is $1,209,750. This high limit allows Oakley buyers to purchase median-priced homes with FHA financing. Limits are adjusted annually based on local median home prices.
Can I use an FHA loan for a condo in Oakley?
Yes but the condo complex must be on the FHA-approved condominium list. Many newer Oakley developments are approved. Your loan specialist can check the HUD database to confirm eligibility before you make an offer.
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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.