FHA Loan Specialists in Palm Springs, CA
Browse fha loan specialists serving Palm Springs, California. Contact information and addresses listed below.
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
State Mortgage Licensing Authority of California before hiring.
Showing 12 fha loan specialists in Palm Springs, 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.
An FHA loan specialist in Palm Springs can guide you through the process of obtaining a mortgage insured by the Federal Housing Administration. These loans are popular in California due to lower down payment requirements and flexible credit guidelines. Palm Springs home buyers often use FHA loans for condos and single-family homes in the desert resort area.
What Does a FHA Loan Specialist in Palm Springs Cost?
Typical costs for an FHA loan specialist in California include an origination fee of 1% to 1.5% of the loan amount and an upfront mortgage insurance premium of 1.75% of the loan amount. Annual mortgage insurance premiums range from 0.45% to 1.05% of the loan balance. Additional costs may include appraisal fees around $500 to $700 and credit report fees of $30 to $50. 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 does an FHA loan specialist do in Palm Springs?
An FHA loan specialist helps borrowers understand FHA loan requirements, pre-qualify for a mortgage, and submit a complete application. They also coordinate with lenders and real estate agents to ensure the loan meets FHA standards for properties in Palm Springs.
What are the FHA loan limits for Palm Springs in 2025?
For 2025, the FHA loan limit for a single-family home in Riverside County including Palm Springs is $517,500 for low-cost areas and up to $1,209,750 for high-cost areas. These limits are set by the Department of Housing and Urban Development and can change annually.
Are there California-specific rules for FHA loans?
Yes California has specific disclosure requirements for FHA loans including the California Residential Mortgage Lending Act. Borrowers must also receive a California Good Faith Estimate and a Notice of Right to Cancel within three business days of signing loan documents.