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Showing 3 fha loan specialists in Pacifica, 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.
Direct Mortgage Funding
205 Rockaway Beach Ave #3, Pacifica, CA 94044
6505046487
Debra Gonzalez Citywide Home Mortgage nmls 1319762
205 Rockaway Beach Ave, Pacifica, CA 94044
4155957650
Jen Castaneda at Supreme Lending
235 Rockaway Beach Ave # 4, Pacifica, CA 94044
6502704663
What Does a FHA Loan Specialist in Pacifica Cost?
Typical costs for an FHA loan in California include an upfront mortgage insurance premium of 1.75 percent of the loan amount and an annual premium of 0.55 to 0.85 percent. Closing costs in Pacifica range from 2 to 5 percent of the purchase price, including appraisal fees of $500 to $700 and title insurance. Costs vary by lender and property. 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 Pacifica California?
For 2024, the FHA loan limit for a single-family home in San Mateo County is $1,149,825. This high limit reflects the area high median home prices. A specialist can confirm current limits as they adjust annually.
What credit score is needed for an FHA loan in California?
FHA loans generally require a minimum credit score of 580 for a 3.5 percent down payment. Scores between 500 and 579 may qualify with a 10 percent down payment. California lenders may have overlays requiring higher scores.
Are there California-specific requirements for FHA loans?
Yes, California requires a home inspection and disclosure of natural hazard zones, such as earthquake or flood areas. Pacifica is in a seismic zone, so additional insurance may be needed. The specialist must also follow California anti-predatory lending laws.