Find FHA Loan Specialists in Santa Maria, CA
Looking for a fha loan specialist in Santa Maria? Review the directory below to compare your options.
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
State Mortgage Licensing Authority of California before hiring.
Showing 19 fha loan specialists in Santa Maria, CA
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An FHA loan specialist in Santa Maria California can help you navigate the Federal Housing Administration loan process. These loans are popular in the Central Coast region due to lower down payment requirements and flexible credit guidelines. 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 Maria Cost?
Typical costs for an FHA loan specialist in California include an origination fee of 1 percent of the loan amount and an upfront mortgage insurance premium of 1.75 percent of the base loan amount. Annual mortgage insurance premiums range from 0.55 to 0.85 percent of the loan balance. Appraisal fees in Santa Maria usually run between $500 and $700. 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 Santa Maria California?
For 2025 the FHA loan limit for a single-family home in Santa Barbara County which includes Santa Maria is $1,149,825. This high limit reflects the area's elevated home prices. Limits are updated annually by the Department of Housing and Urban Development.
What credit score do I need for an FHA loan in California?
Most FHA lenders in California 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. Each lender may set higher requirements.
How does California law affect FHA loan closing costs?
California law limits certain fees such as document preparation and notary charges. FHA loans allow sellers to contribute up to 6 percent of the purchase price toward the buyer's closing costs. All costs must be disclosed on the Loan Estimate form within three business days of application.