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Find FHA Loan Specialists Near You in Ridgecrest, CA
Directory of fha loan specialists in Ridgecrest, California. Verify credentials with the state mortgage licensing authority before hiring.
8 agents listed
Updated May 2026
Ridgecrest, 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 8 fha loan specialists in Ridgecrest, 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.
643 N China Lake Blvd Suite E, Ridgecrest, CA 93555
6614932181
FHA loan specialists in Ridgecrest, California help borrowers navigate FHA-insured mortgages, which are popular in Kern County due to lower down payment requirements. California law requires lenders to provide specific disclosures under the California Financing Law, and local specialists understand the unique housing market of the Indian Wells Valley. They can guide you through FHA loan limits, which for 2025 in Kern County are set at $498,257 for a single-family home.
What Does a FHA Loan Specialist in Ridgecrest Cost?
FHA loan specialist fees in California typically range from 0.5 percent to 1.5 percent of the loan amount. For a $300,000 loan this means costs between $1,500 and $4,500. Additional costs include the FHA upfront mortgage insurance premium of 1.75 percent of the loan amount and annual MIP of 0.55 percent. Costs vary based on lender, credit profile, and property type. 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 minimum credit score requirements for an FHA loan in Ridgecrest?
The standard FHA minimum credit score is 580 for a 3.5 percent down payment. Borrowers with scores between 500 and 579 may qualify with a 10 percent down payment. California lenders may have overlays requiring higher scores.
How long does the FHA loan process take in California?
The typical FHA loan process in California takes 30 to 45 days from application to closing. This timeline includes appraisal, underwriting, and compliance with California escrow requirements.
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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.