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Browse fha loan specialists serving Ojai, California. Contact information and addresses listed below.
3 agents listed
Updated May 2026
Ojai, 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 3 fha loan specialists in Ojai, 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.
Heritage Financial
403 W Ojai Ave, Ojai, CA 93023
8056401717
C2 Financial Corporation
236 W Ojai Ave Suite #105, Ojai, CA 93023
8057982158
Chase Mortgage
1215 Maricopa Hwy, Ojai, CA 93023
8056460142
An FHA loan specialist in Ojai, California can help homebuyers secure government-backed mortgages with lower down payments and flexible credit requirements. California law requires all FHA loan originators to be licensed through the Nationwide Multistate Licensing System (NMLS). Ojai residents benefit from local specialists who understand the unique housing market in Ventura County.
What Does a FHA Loan Specialist in Ojai Cost?
Typical costs for an FHA loan specialist in California include an origination fee of 1 percent of the loan amount, plus third-party fees for appraisal, credit report, and title services. For a $500,000 loan, total closing costs often range from $8,000 to $12,000. California also requires an upfront mortgage insurance premium of 1.75 percent of the loan amount, which can be financed. Note that costs vary by lender, loan size, and property condition. This information is general 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 is an FHA loan specialist in Ojai?
An FHA loan specialist is a licensed mortgage professional who helps borrowers apply for FHA-insured loans. In California, these specialists must complete pre-licensing education and pass a state exam. They guide clients through FHA requirements, including the 3.5 percent minimum down payment and property appraisal standards.
What are the FHA loan limits for Ojai California?
For 2025, the FHA loan limit for a single-family home in Ventura County, which includes Ojai, is $1,149,825 for high-cost areas. This limit is set by the U.S. Department of Housing and Urban Development (HUD) and adjusts annually. Borrowers should confirm current limits with a specialist as they can change.
How long does the FHA loan process take in California?
The FHA loan process in California typically takes 30 to 45 days from application to closing. California law requires a three-business-day right of rescission for refinances. Delays can occur if the property needs repairs to meet FHA minimum property standards.
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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.