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Directory of fha loan specialists in Santa Ana, California. Verify credentials with the state mortgage licensing authority before hiring.
15 agents listed
Updated May 2026
Santa Ana, 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 15 fha loan specialists in Santa Ana, 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.
New American Funding
1 MacArthur Pl #800, Santa Ana, CA 92707
8004502010
E Mortgage Capital, Inc.
3750 S Susan St, Santa Ana, CA 92704
8555693700
LoanLock
6 Hutton Centre Dr Suite 1030, Santa Ana, CA 92707
8886715625
ARBOR Financial Group | #1 Mortgage Broker
1805 E Garry Ave, Santa Ana, CA 92705
8665216488
NEW LIFE FINANCE, INC. DBA iFund Mortgage
1971 E 4th St #340, Santa Ana, CA 92705
8009109495
Dat Loans - Everyday Lending Group - Arbor Financial
1805 E Garry Ave, Santa Ana, CA 92705
7147054013
Fast Action Mortgage, Inc.
1851 E 1st St Suite 760, Santa Ana, CA 92705
8885055820
New American Funding - Santa Ana, CA
215 N Main St, Santa Ana, CA 92701
7145815322
Keith DeJohn, Mortgage Lender - A Professional Mortgage Experience
1805 E Garry Ave, Santa Ana, CA 92705
7146125501
Arbor Financial Group Aaron Kopelson
1805 E Garry Ave, Santa Ana, CA 92705
9492909494
Vanessa Schwartz - The Schwartz Group
1805 E Garry Ave, Santa Ana, CA 92705
9495210015
Nathan Carpenter - Mortgage Loan Officer
1805 E Garry Ave, Santa Ana, CA 92705
9492809586
Stahl Mortgage
1611 S Joane Way, Santa Ana, CA 92704
9493008436
CLAVIS CAPITAL GROUP
1820 E Garry Ave #203, Santa Ana, CA 92705
9494087969
House Loans Mortgage Services Corporation NMLS #35331
505 N Tustin Ave #156, Santa Ana, CA 92705
8776964687
An FHA loan specialist in Santa Ana, California helps borrowers navigate Federal Housing Administration loans. These loans are popular in Orange County for their lower down payment requirements. California law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System (NMLS).
What Does a FHA Loan Specialist in Santa Ana Cost?
Typical costs for an FHA loan specialist in California include an origination fee of 1% to 1.5% of the loan amount, plus an upfront mortgage insurance premium (UFMIP) of 1.75% of the base loan amount. Annual mortgage insurance premiums range from 0.45% to 1.05% of the loan balance. Appraisal fees in Santa Ana average $500 to $700. Closing costs generally total 3% to 5% of the purchase price. 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 does an FHA loan specialist in Santa Ana do?
An FHA loan specialist guides you through the FHA loan process, including pre-approval, documentation, and closing. They ensure your loan meets FHA and California lending standards. They also help you understand local property value limits in Santa Ana.
What are the FHA loan limits for Santa Ana in 2025?
For 2025, the FHA loan limit for a single-family home in Orange County, including Santa Ana, is $1,149,825 for high-cost areas. This limit is set by the U.S. Department of Housing and Urban Development (HUD) and applies to most standard FHA loans.
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 if additional documentation is needed or if the property requires repairs. California law requires a three-business-day right of rescission after signing loan documents.
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BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
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.