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Directory of fha loan specialists in Santee, California. Verify credentials with the state mortgage licensing authority before hiring.
5 agents listed
Updated May 2026
Santee, 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 5 fha loan specialists in Santee, 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.
Casa Financial Services, Inc
9560 Cuyamaca St STE 101, Santee, CA 92071
6196448344
JOHN AGUIRRE HOME LOANS
10850 Hartley Rd, Santee, CA 92071
7867856409
Finance Any1
8774 Cuyamaca St #A, Santee, CA 92071
6195912900
Gina Howard
278 Town Center Pkwy Suites 205-206, Santee, CA 92071
8773141499
The Chi Team - Home Mortgage Lender
278 Town Center Pkwy Ste 206, Santee, CA 92071
9167705626
An FHA loan specialist in Santee, California can help you navigate FHA-insured mortgages, which are popular for first-time homebuyers. California law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System (NMLS). Santee homebuyers often use FHA loans to purchase single-family homes or condos in San Diego County.
What Does a FHA Loan Specialist in Santee Cost?
Typical costs for an FHA loan in California include an upfront mortgage insurance premium (UFMIP) of 1.75% of the loan amount, and annual mortgage insurance premiums (MIP) of 0.55% to 0.85% of the loan balance. Closing costs in Santee range from 2% to 5% of the purchase price, including lender fees, appraisal fees, and title insurance. Costs vary based on loan size, credit score, and lender policies. 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 are the credit score requirements for an FHA loan in Santee?
FHA loans generally require a minimum credit score of 580 for a 3.5% down payment. Borrowers with scores between 500 and 579 may still qualify with a 10% down payment. California lenders may have overlays that require higher scores.
Are there California-specific limits for FHA loans in Santee?
Yes, FHA loan limits vary by county. For San Diego County, including Santee, the 2025 FHA loan limit for a single-family home is $1,209,750. This limit is adjusted annually based on local median home prices.
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. California law requires a three-day right of rescission after signing loan documents. Delays can occur due to appraisal or underwriting issues.
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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.