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Looking for a fha loan specialist in San Luis Obispo? Review the directory below to compare your options.
20 agents listed
Updated May 2026
San Luis Obispo, 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 Luis Obispo, 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.
Assist Home Loans
1410 Noveno Ave, San Luis Obispo, CA 93401
8057570544
Pacific Trust Mortgage
735 Tank Farm Rd, San Luis Obispo, CA 93401
8055434422
Landon Spitler at Certainty Home Lending (NMLS #633244)
895 Pismo St, San Luis Obispo, CA 93401
8054710243
Donna Lewis at Rate (NMLS #245945)
1065 Higuera St Suite 100, San Luis Obispo, CA 93401
8053358743
Ben Lerner at Certainty Home Lending (NMLS #395723)
895 Pismo St, San Luis Obispo, CA 93401
8054419486
Arrona Financial: David Arrona, Mortgage Broker
599 Higuera St f, San Luis Obispo, CA 93401
8055440160
Jeff Meyers at CrossCountry Mortgage
846 Higuera St # 5, San Luis Obispo, CA 93401
8054409006
The Mortgage House
1103 Toro St, San Luis Obispo, CA 93401
8057826999
Carley Smith at Certainty Home Lending (NMLS #448442)
895 Pismo St, San Luis Obispo, CA 93401
7734357563
Dylan Morrow at Rate
1065 Higuera St, San Luis Obispo, CA 93401
8055509742
Acquire Mortgage And Real Estate
1405 Garden St, San Luis Obispo, CA 93401
8055445626
Mike Poyntz - Motif Mortgage
1319 Marsh St STE 102, San Luis Obispo, CA 93401
8052340903
Primary Residential Mortgage, Inc.
1042 Pacific St # C, San Luis Obispo, CA 93401
8055460290
Rolf Storlie | Loan Officer | Primary Residential Mortgage, Inc.
1042 Pacific St suite f, San Luis Obispo, CA 93401
8055460290
Kim Williams at Certainty Home Lending (NMLS #263247)
895 Pismo St, San Luis Obispo, CA 93401
8054716186
Bryan Hulburd at Rate (NMLS #2697595)
1065 Higuera St Suite 100, San Luis Obispo, CA 93401
8057187717
Central Coast Lending
1319 Marsh St, San Luis Obispo, CA 93401
8055435626
Bill Mott at Certainty Home Lending (NMLS #341086)
895 Pismo St, San Luis Obispo, CA 93401
8052345081
Tracie Southerland at Certainty Home Lending (NMLS #296909)
895 Pismo St, San Luis Obispo, CA 93401
6502551477
Kevin Cunningham at Certainty Home Lending (NMLS #633249)
895 Pismo St, San Luis Obispo, CA 93401
8054585178
FHA loan specialists in San Luis Obispo help borrowers secure government backed mortgages with lower down payments and flexible credit requirements. California FHA loan limits for San Luis Obispo County are set annually by the Department of Housing and Urban Development and can vary by property type. Local specialists understand the unique real estate market and can guide you through California specific disclosure requirements and escrow procedures.
What Does a FHA Loan Specialist in San Luis Obispo Cost?
Typical costs for an FHA loan 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, or about $6,000 to $15,000 on a $300,000 loan. Lender fees and third party costs vary by provider. 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 are the FHA loan limits for San Luis Obispo County in 2025?
For 2025 the FHA loan limit for a single family home in San Luis Obispo County is approximately $1,209,750 for high cost areas. Limits vary by property size and are updated annually by HUD. Check with a local specialist for exact figures.
What documents do I need to apply for an FHA loan in San Luis Obispo?
You typically need recent pay stubs W 2 forms tax returns bank statements and a valid government ID. California law also requires proof of California residency or intent to occupy the property. Your specialist will provide a full checklist.
How long does the FHA loan process take in California?
The typical FHA loan process in California takes 30 to 45 days from application to closing. Delays can occur due to appraisal issues or title work. California requires a 3 day right of rescission for refinances under federal law.
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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.