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Compare fha loan specialists in Santa Barbara. Review contact information and insurance categorys before you decide.
20 agents listed
Updated May 2026
Santa Barbara, 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 Santa Barbara, 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.
Dawn Flori NMLS# 2348631 | The Kelly Marsh Team at Cornerstone Home Lending
1828 State St, Santa Barbara, CA 93101
8055631100
Austin Lampson at OriginPoint NMLS 2185899
1525 State St #104, Santa Barbara, CA 93101
8058697100
Susan Bonanno - Mortgage Advisor
5290 Overpass Rd STE 123, Santa Barbara, CA 93111
8052526324
Vicky Reese - TIME Lending Mortgage Broker
3820 State St D, Santa Barbara, CA 93105
8058864052
Ranch & Coast Mortgage Group, Inc.
1117 State St, Santa Barbara, CA 93101
8054486932
Guy Rivera - Branch Manager - Your Guy in the Mortgage Industry
1736 State St, Santa Barbara, CA 93101
8054523804
Michele Herrera at CrossCountry Mortgage
319 E Carrillo St Suite 104, Santa Barbara, CA 93101
8057705517
Jeff Bochsler at Rate (NMLS #770636)
1165 Coast Village Rd C, Santa Barbara, CA 93108
8052901828
Leah Gaona at CrossCountry Mortgage
319 E Carrillo St Suite 104, Santa Barbara, CA 93101
8057705502
Matt Genovese - MG Lending
1114 State St # 237, Santa Barbara, CA 93101
8058860878
Diana MacFarlane - Mortgage Lender
606 Calle De Los Amigos, Santa Barbara, CA 93105
8058868269
Christian Menard at Rate (NMLS #1470201)
1165 Coast Village Rd C, Santa Barbara, CA 93108
8058685116
Valerie Gonzales at CrossCountry Mortgage
319 E Carrillo St Suite 104, Santa Barbara, CA 93101
8055504325
Dan Marchiando at Paragon Mortgage Group
1215 De La Vina St STE G, Santa Barbara, CA 93101
8058860581
Paragon Mortgage Group
1215 De La Vina St STE G, Santa Barbara, CA 93101
8058991390
Jennifer Ellison - RPM Mortgage Santa Barbara
319 E Carrillo St #100, Santa Barbara, CA 93101
8054521838
Tim Dugan
8 W Victoria St, Santa Barbara, CA 93101
8056891370
Bromi Krock at Rate (NMLS #254423)
1165 Coast Village Rd C, Santa Barbara, CA 93108
8054565796
McAdams Financial Services
217 E Anapamu St, Santa Barbara, CA 93101
8059631496
The Dream Team @ Movement Mortgage
222 E Carrillo St Suite 107, Santa Barbara, CA 93101
8058868318
An FHA loan specialist in Santa Barbara California helps borrowers navigate Federal Housing Administration insured loans. These loans are popular for first time homebuyers and those with lower credit scores. California law requires lenders to provide specific disclosures under the California Financing Law which an FHA specialist can explain.
What Does a FHA Loan Specialist in Santa Barbara Cost?
Typical costs for an FHA loan specialist in California include an origination fee of 1 to 2 percent of the loan amount. Upfront mortgage insurance premium is 1.75 percent of the loan. Annual mortgage insurance premiums range from 0.45 to 1.05 percent. Closing costs in Santa Barbara usually total 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 does an FHA loan specialist in Santa Barbara do?
An FHA loan specialist guides borrowers through the FHA loan process including pre approval documentation and closing. They ensure the loan meets FHA guidelines and California specific requirements such as property appraisal standards.
What are the FHA loan limits for Santa Barbara California?
For 2025 the FHA loan limit for a single family home in Santa Barbara County is $1,209,750. This higher limit reflects the area high cost of housing. Limits are adjusted annually by the Department of Housing and Urban Development.
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 qualify with a 10 percent down payment. California lenders may have their own overlays so requirements can vary.
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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.