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Directory of fha loan specialists in Sunnyvale, California. Verify credentials with the state mortgage licensing authority before hiring.
10 agents listed
Updated May 2026
Sunnyvale, 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 10 fha loan specialists in Sunnyvale, 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.
Googain
1288 Kifer Rd STE 208, Sunnyvale, CA 94086
4082128800
Hong Hu, Senior Loan Consultant & Associate Broker
1288 Kifer Rd, Sunnyvale, CA 94086
4087815509
Nathalie B Vuong - 459844 - Wells Fargo Home Mortgage
333 W El Camino Real, Sunnyvale, CA 94087
4084261007
Cipi Jain - 463355 - Wells Fargo Home Mortgage
333 W El Camino Real, Sunnyvale, CA 94087
5109170144
Mobile Home Mortgages
1270 Lawrence Station Rd suite c, Sunnyvale, CA 94089
4085411300
Wells Fargo Home Mortgage
333 W El Camino Real, Sunnyvale, CA 94087
4083282102
Sarah Sun - 1633551 - Wells Fargo Home Mortgage
333 W El Camino Real, Sunnyvale, CA 94087
4083326066
Steve Chen - 714948 - Wells Fargo Home Mortgage
333 W El Camino Real, Sunnyvale, CA 94087
4088051888
Linda Zhang - 1621975 - Wells Fargo Home Mortgage
333 W El Camino Real, Sunnyvale, CA 94087
4086468443
Jing Sun - 1045781 - Wells Fargo Home Mortgage
333 W El Camino Real, Sunnyvale, CA 94087
4156863987
An FHA loan specialist in Sunnyvale, California helps homebuyers navigate FHA-insured mortgages, which require a minimum 3.5 percent down payment and a credit score of 580 or higher. California law requires lenders to provide a Good Faith Estimate and a Loan Estimate within three business days of application. Sunnyvale residents often use FHA loans to purchase single-family homes or condos in Santa Clara County.
What Does a FHA Loan Specialist in Sunnyvale Cost?
Typical costs for an FHA loan specialist in California include an origination fee of 1 percent of the loan amount, an upfront mortgage insurance premium (UFMIP) of 1.75 percent, and an annual mortgage insurance premium (MIP) of 0.55 percent to 0.85 percent. For a $800,000 loan in Sunnyvale, the UFMIP would be about $14,000, and the annual MIP would be $4,400 to $6,800. Appraisal fees range from $500 to $700, and title insurance costs around $2,000 to $3,000. 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 FHA loan limits for Sunnyvale in 2025?
For 2025, the FHA loan limit for a single-family home in Santa Clara County, which includes Sunnyvale, is $1,209,750. This limit applies to high-cost areas and is set by the Department of Housing and Urban Development (HUD).
Do I need a California-specific license to be an FHA loan specialist?
Yes, loan officers in California must be licensed through the Nationwide Multistate Licensing System (NMLS) and meet state education and background check requirements. They must also complete continuing education every year to maintain their license.
How long does FHA loan approval take in California?
FHA loan approval in California typically takes 30 to 45 days from application to closing. California law mandates that lenders provide a Loan Estimate within three business days and a Closing Disclosure at least three business days before closing.
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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.