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.
Compare fha loan specialists in Oceanside. Review contact information and insurance categorys before you decide.
7 agents listed
Updated May 2026
Oceanside, 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 7 fha loan specialists in Oceanside, 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.
Pacific Coast Home Mortgage & Real Estate Inc
900 Pier View Wy, Oceanside, CA 92054
8888937775
Home Mortgage Experts
2103 S El Camino Real #108, Oceanside, CA 92054
8664115472
Nick Rodriguez at CrossCountry Mortgage
805 College Blvd #103, Oceanside, CA 92057
6193043888
Military Mortgage Group
805 College Blvd Suite 103, Oceanside, CA 92057
7605475089
Golden Coast Loans, Inc.
3402 Piazza De Oro Way STE 250, Oceanside, CA 92056
9497057702
Mortgagehelpers
2110 S Coast Hwy # H, Oceanside, CA 92054
7604395243
Oceanside Ca Hii Loans
3784 Mission Ave #148-363E, Oceanside, CA 92058
7606076971
FHA loan specialists in Oceanside, California help homebuyers secure government-backed mortgages with lower down payments and flexible credit requirements. California law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System (NMLS). Oceanside residents benefit from local specialists who understand the San Diego County housing market and California specific property appraisal rules.
What Does a FHA Loan Specialist in Oceanside Cost?
Typical costs for an FHA loan in California include an upfront mortgage insurance premium (UFMIP) of 1.75% of the loan amount, and an annual mortgage insurance premium (MIP) of 0.55% to 0.85% depending on loan term and loan-to-value ratio. Closing costs in Oceanside generally range from 2% to 5% of the purchase price, covering appraisal fees (around $500 to $700), title insurance, and lender fees. 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 Oceanside California?
For 2025, the FHA loan limit for a single-family home in San Diego County including Oceanside is $1,209,750. This limit is higher than standard FHA limits due to the high cost of housing in the area.
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% down payment. Borrowers with scores between 500 and 579 may qualify with a 10% down payment. California lenders may have overlays requiring higher scores.
Are there California specific requirements for FHA loans?
Yes, California requires all FHA loans to include a home inspection contingency and a disclosure about earthquake insurance. The state also mandates that lenders provide a California specific Good Faith Estimate and a Notice of Right to Cancel within three business days.
Free • No Obligation
Compare FHA Loan Specialists
Get matched with agents in Oceanside 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.