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Looking for a fha loan specialist in Richmond? Review the directory below to compare your options.
4 agents listed
Updated May 2026
Richmond, 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 4 fha loan specialists in Richmond, 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.
Griselda's Ledesma Mortgage Team
12553 San Pablo Ave, Richmond, CA 94805
5107587600
American Financial Network, Inc.
3260 Blume Dr #405, Richmond, CA 94806
5103235879
Jadestone Mortgage, Inc.
3260 Blume Dr # 410, Richmond, CA 94806
5102228840
All California Mortgage Inc
3223 Blume Dr # 117, Richmond, CA 94806
5106628540
FHA loan specialists in Richmond, California help homebuyers and homeowners secure government-backed mortgages with lower down payments. California law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System (NMLS). Richmond buyers often use FHA loans for properties in Contra Costa County, where median home prices remain high.
What Does a FHA Loan Specialist in Richmond Cost?
Typical costs for an FHA loan in California include an upfront mortgage insurance premium (UFMIP) of 1.75% of the loan amount, plus an annual mortgage insurance premium (MIP) ranging from 0.45% to 1.05% depending on loan term and down payment. Closing costs in Richmond generally range from 2% to 5% of the purchase price, including appraisal fees around $500 to $700 and title insurance. Lender origination fees vary but often total 1% of the loan. 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 FHA loan limits for Richmond California in 2025?
For 2025, the FHA loan limit for a single-family home in Contra Costa County is $1,149,825. This high limit reflects the areas elevated home prices. Limits are set annually by the Department of Housing and Urban Development (HUD).
What credit score is needed for an FHA loan in Richmond?
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. Individual lenders in California may set higher minimums.
Are there California-specific requirements for FHA loans?
Yes. California requires all FHA loan applicants to complete a homebuyer education course from a HUD-approved agency. Additionally, properties in Richmond must meet FHA minimum property standards, including a termite inspection common in the Bay Area climate.
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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.