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Find FHA Loan Specialists Near You in San Jacinto, CA
Directory of fha loan specialists in San Jacinto, California. Verify credentials with the state mortgage licensing authority before hiring.
2 agents listed
Updated May 2026
San Jacinto, 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 2 fha loan specialists in San Jacinto, 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.
US Bank Mortgage
1251 N State St G, San Jacinto, CA 92583
9514878064
Hard Money Lenders San Jacinto CA
950 N Ramona Blvd, San Jacinto, CA 92582
9514634885
FHA loan specialists in San Jacinto, California help homebuyers navigate FHA-insured mortgages, which require a minimum down payment of 3.5 percent for borrowers with credit scores of 580 or higher. These loans are popular in San Jacinto due to the areas affordable housing market compared to nearby cities. California law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System (NMLS).
What Does a FHA Loan Specialist in San Jacinto Cost?
Typical costs for an FHA loan specialist in California include an origination fee of 1 to 2 percent of the loan amount, an upfront mortgage insurance premium (UFMIP) of 1.75 percent, and an annual mortgage insurance premium (MIP) of 0.45 to 1.05 percent. For a $400,000 loan this could mean $4,000 to $8,000 in origination fees plus $7,000 in UFMIP. Additional costs include appraisal fees of $500 to $700 and title insurance of $1,000 to $2,000. 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 Jacinto California?
FHA loan limits for San Jacinto in Riverside County are set by the Department of Housing and Urban Development. For 2024 the single-family home loan limit is $530,150 for low-cost areas and up to $1,089,300 for high-cost areas. These limits adjust annually based on local median home prices.
Do I need a specific credit score for an FHA loan in San Jacinto?
FHA loans require a minimum credit score of 500 with a 10 percent down payment or 580 with a 3.5 percent down payment. California lenders may impose higher overlays so it is important to check with a specialist. Borrowers with lower scores may still qualify with compensating factors.
Are there California-specific rules for FHA loans?
California requires FHA loans to comply with state disclosure laws including the California Residential Mortgage Lending Act. Borrowers must also receive a California-specific Good Faith Estimate and a Loan Estimate within three business days. FHA loans in California cannot exceed the state usury limit of 10 percent per year for most loans.
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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.