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Directory of fha loan specialists in Ripon, California. Verify credentials with the state mortgage licensing authority before hiring.
5 agents listed
Updated May 2026
Ripon, 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 5 fha loan specialists in Ripon, 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.
Ability Ambeck Mortgage
580 N Wilma Ave #D, Ripon, CA 95366
2095998550
Annette Roddan - IMS Lending Ripon
467 N Wilma Ave #1, Ripon, CA 95366
2096108042
Tri Valley Lending
120 W Main St B, Ripon, CA 95366
2095996692
Jerri Southorn @ Ability Mortgage.com
580 N Wilma Ave #D, Ripon, CA 95366
2096493943
No. 1 Mortgage
114 N Stockton Ave, Ripon, CA 95366
2092750526
An FHA loan specialist in Ripon California can help you navigate the process of obtaining a government backed mortgage. These loans are popular in the Central Valley for their low down payment requirements. California law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System (NMLS).
What Does a FHA Loan Specialist in Ripon Cost?
Typical costs for an FHA loan specialist in California include an origination fee of 1% to 1.75% of the loan amount. You may also pay an upfront mortgage insurance premium (UFMIP) of 1.75% of the loan amount. Annual mortgage insurance premiums range from 0.45% to 1.05% of the loan balance. Other costs include appraisal fees of $500 to $700 and title insurance fees. 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 in Ripon do?
An FHA loan specialist guides you through the FHA loan application process. They help you understand credit requirements, down payment options, and property eligibility. They also ensure compliance with California specific lending laws.
What are the FHA loan limits for Ripon California?
For 2025 the FHA loan limit for a single family home in San Joaquin County is $498,257. Higher limits apply for duplexes and larger properties. These limits are set by the Department of Housing and Urban Development (HUD) and change annually.
Do I need a special license to work with an FHA loan specialist in California?
Yes, all mortgage loan originators in California must hold a valid MLO license through the NMLS. You can verify a specialist license on the NMLS Consumer Access website. This requirement is part of the California Residential Mortgage Lending Act.
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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.