Find FHA Loan Specialists Near You in San Fernando, CA
Directory of fha loan specialists in San Fernando, California. Verify credentials with the state state mortgage licensing authority before hiring.
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 2 fha loan specialists in San Fernando, CA
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An FHA loan specialist in San Fernando California helps borrowers navigate Federal Housing Administration insured loans which require a lower down payment and flexible credit standards. California law mandates that all mortgage loan originators be licensed through the Nationwide Multistate Licensing System NMLS. San Fernando home buyers often use FHA loans to purchase single family homes or condos in the local market.
What Does a FHA Loan Specialist in San Fernando Cost?
Typical costs for an FHA loan specialist in California include an origination fee of 0.5 to 1.0 percent of the loan amount plus third party costs such as appraisal 500 to 700 credit report 30 to 50 and title insurance 800 to 2,000. Closing costs in San Fernando generally range from 3 to 5 percent of the purchase price. 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 for San Fernando California?
For 2025 the FHA loan limit for a single family home in Los Angeles County including San Fernando is 1,209,750 for high cost areas. This limit is set by the Department of Housing and Urban Development HUD and applies to most standard FHA loans.
What credit score is needed for an FHA loan in California?
FHA loans typically require a minimum credit score of 580 for a 3.5 percent down payment. Borrowers with scores between 500 and 579 may still qualify but must put down at least 10 percent. Each lender may have its own overlay requirements.
Do FHA loans require mortgage insurance in California?
Yes FHA loans require an upfront mortgage insurance premium UFMIP of 1.75 percent of the loan amount and an annual MIP that varies from 0.15 to 0.75 percent depending on loan term and loan to value ratio. This insurance protects the lender if the borrower defaults.