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Find FHA Loan Specialists Near You in San Clemente, CA
Looking for a fha loan specialist in San Clemente? Review the directory below to compare your options.
16 agents listed
Updated May 2026
San Clemente, 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 16 fha loan specialists in San Clemente, 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.
GM Funding
1201 Puerta Del Sol STE 302, San Clemente, CA 92673
9496887779
Breeze Funding, Inc.
163 Avenida Del Mar, San Clemente, CA 92672
8553467283
Yosef Shapiro - Mortgage Broker
1643 Via Tulipan, San Clemente, CA 92673
7072809627
Blue Home Loans, Inc.
1201 Puerta Del Sol STE 312, San Clemente, CA 92673
8883499320
Alliance Mortgage Lending
635 Camino De Los Mares STE 203, San Clemente, CA 92673
9494435178
Avid Mortgage Solutions
1201 Puerta Del Sol ste 325, San Clemente, CA 92673
9494293700
Matt Cady Mortgage Team
San Clemente, CA 92672
9492386035
New American Funding - San Clemente, CA
224 Avenida Del Mar Ste. C, San Clemente, CA 92672
9494458357
Medimont Lending
209 Avenida Del Mar Suite 201D, San Clemente, CA 92672
9494159063
LifeSource Mortgage
1238 Puerta Del Sol #2e, San Clemente, CA 92673
9494922252
Reed Hazard
621 S El Camino Real, San Clemente, CA 92672
9499735226
New American Funding - Ryan Whitmore
224 Avenida Del Mar Ste. C, San Clemente, CA 92672
9497484192
Coast National Mortgage
501 N El Camino Real, San Clemente, CA 92672
9499395317
Rescom Financial Services
940 Calle Amanecer suite d, San Clemente, CA 92673
9492403880
Green Monarch Reverse Mortgage
1389 Calle Avanzado, San Clemente, CA 92673
8003452041
The Moore Team Home Loan Group
224 Avenida Del Mar suite e, San Clemente, CA 92672
8887066673
An FHA loan specialist in San Clemente can help you navigate the Federal Housing Administration loan process. California has specific rules for FHA loans including higher loan limits in Orange County which can reach over one million dollars for single family homes. These specialists assist with credit requirements down payment options and property eligibility for San Clemente buyers.
What Does a FHA Loan Specialist in San Clemente Cost?
Typical costs for an FHA loan specialist 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 generally range from 2 to 5 percent of the purchase price. For a 500,000 dollar home this means 10,000 to 25,000 dollars in closing costs plus the upfront MIP of 8,750 dollars. Costs vary by lender property type and borrower qualifications. 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 in San Clemente California?
For 2024 the FHA loan limit for a single family home in Orange County including San Clemente is 1,149,825 dollars. This higher limit reflects the high cost of housing in the area and allows buyers to use FHA financing for more expensive properties.
What credit score is needed for an FHA loan in California?
The minimum credit score for an FHA loan is typically 580 with a 3.5 percent down payment. Borrowers with scores between 500 and 579 may still qualify but must put down at least 10 percent. California lenders may have their own overlays requiring higher scores.
Are there California specific requirements for FHA loans?
Yes California requires FHA loans to meet state property disclosure laws including natural hazard disclosures for earthquake flood and fire zones. The state also mandates a 10 day right of rescission for refinances. FHA loans in California must also comply with the California Homeowner Bill of Rights.
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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.