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Browse fha loan specialists serving San Jose, California. Contact information and addresses listed below.
20 agents listed
Updated May 2026
San Jose, 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 20 fha loan specialists in San Jose, 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.
InstaMortgage Inc.
4100 Moorpark Ave #221, San Jose, CA 95117
8556445626
Wonder Rates
621 Tully Rd #125, San Jose, CA 95111
4086001900
The Mortgage Outlet
200 N Almaden Blvd Suite 200, San Jose, CA 95110
4083525120
Esther Chien Mortgage - The Loan Story
4880 Stevens Creek Blvd # 200, San Jose, CA 95129
5105529991
C2 Financial Corporation - Elva Wormley - Mortgage Broker
1930 Camden Ave #1b, San Jose, CA 95124
4086158500
First Stop Mortgage Corporation
2114 Senter Rd STE 11, San Jose, CA 95112
4089006789
Yvonne Wu & Maria Chen - The Loan Story
4880 Stevens Creek Blvd # 200, San Jose, CA 95129
4087809991
101 Loan and Rob McCarthy - Specialist in Residential, Commercial and Reverse Mortgage Financing
An FHA loan specialist in San Jose California helps homebuyers navigate government backed mortgages with lower down payments. California law requires lenders to provide a Good Faith Estimate within three days of application. Local specialists understand Santa Clara County housing market conditions and can guide you through the FHA appraisal process specific to California properties.
What Does a FHA Loan Specialist in San Jose Cost?
Typical costs for an FHA loan specialist in San Jose include an origination fee of 1% to 1.5% of the loan amount. Third party costs such as appraisal fees range from $500 to $800 and credit report fees are about $30 to $50. Closing costs in California generally total 2% to 5% 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 does an FHA loan specialist do in San Jose?
An FHA loan specialist guides you through the FHA loan process from pre approval to closing. They help you understand California specific requirements like the state mandated home inspection disclosure and property condition standards. They also assist with FHA streamline refinancing options available in California.
What are the FHA loan limits for San Jose California?
For 2024 the FHA loan limit for a single family home in Santa Clara County is $1,149,825. This higher limit reflects the high cost housing market in San Jose. Limits are set by the Department of Housing and Urban Development and updated annually.
Do FHA loans require mortgage insurance in California?
Yes FHA loans require both an upfront mortgage insurance premium of 1.75% of the loan amount and an annual MIP that varies from 0.15% to 0.75% depending on loan term and down payment. California law does not change these federal requirements. The MIP can be removed after 11 years if you put down at least 10%.
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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.