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Looking for a fha loan specialist in Torrance? Review the directory below to compare your options.
19 agents listed
Updated May 2026
Torrance, 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 19 fha loan specialists in Torrance, 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.
Thessy Onyenedum – Mortgage Loan Officer, Atesa Real Estate, Inc.
21151 S Western Ave Suite 255, Torrance, CA 90501
3108032512
Anouheh Moghaddam Group (AMG) - Powered by Movement Mortgage
23740 Hawthorne Blvd 2nd floor, Torrance, CA 90505
3102081988
Cal Fed Mortgage
24214 Hawthorne Blvd, Torrance, CA 90505
3103782858
Finance West Lending Inc
24445 Hawthorne Blvd STE 201, Torrance, CA 90505
3103732000
Fernando Diaz
2780 Skypark Dr Suite 210, Office 207, Torrance, CA 90505
3107848082
Harman Sudwal - Mortgage Director @ UNITED ONE MORTGAGE, TORRANCE
22939 Hawthorne Blvd Suite 204, Torrance, CA 90505
3102708394
S.O.S. Loans, Inc.
3655 Torrance Blvd # 460, Torrance, CA 90503
8005036648
Henry Munoz - Real Estate Broker and Mortgage Loans
21250 Hawthorne Blvd Suite 500, Torrance, CA 90503
2134601002
American California Financial Inc.: Andre Hemmersbach
3838 W Carson St #109, Torrance, CA 90503
3107133100
Midgate Mortgage
24051 Neece Ave b, Torrance, CA 90505
3107910854
US Lending & Company, Inc
2720 Sepulveda Blvd Ste 200, Torrance, CA 90505
3102631331
Union Home Mortgage - Torrance
21221 S Western Ave Suite 1013 & 1015, Torrance, CA 90501
9518166864
American California Financial Services, Inc.
3838 W Carson St #109, Torrance, CA 90503
3105401330
CMG Home Loans
2780 Skypark Dr STE 200, Torrance, CA 90505
3104189289
Pacific Funding Solutions
22939 Hawthorne Blvd #300, Torrance, CA 90505
3103267200
Guild Mortgage - Barbara Paetzold
3655 Torrance Blvd 3rd Floor Office 342, Torrance, CA 90503
2062959779
Pacific Mortgage Co
24445 Hawthorne Blvd STE 201, Torrance, CA 90505
3103732000
Pacific Mortgage Real Estate and Financing Company
25500 Hawthorne Blvd #2230, Torrance, CA 90505
3103739000
United One Mortgage
22939 Hawthorne Blvd Suite 204, Torrance, CA 90505
4243452830
An FHA loan specialist in Torrance, California helps homebuyers navigate the Federal Housing Administration loan process. California law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System (NMLS). Torrance buyers often use FHA loans for their lower down payment requirements and flexible credit guidelines.
What Does a FHA Loan Specialist in Torrance Cost?
Typical costs for an FHA loan in California include an upfront mortgage insurance premium (UFMIP) of 1.75% of the loan amount, and an annual mortgage insurance premium (MIP) ranging from 0.45% to 1.05% of the loan balance. Closing costs in Torrance generally range from 2% to 5% of the purchase price. Lender fees, appraisal fees, and title insurance also apply. 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 Torrance, California?
For 2025, the FHA loan limit for a single-family home in Los Angeles County, which includes Torrance, is $1,209,750. 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 is needed for an FHA loan in California?
FHA loans typically require a minimum credit score of 580 for a 3.5% down payment. Borrowers with scores between 500 and 579 may qualify with a 10% down payment. Individual lenders in California may set higher requirements.
Are there California-specific rules for FHA loans?
Yes, California requires all FHA loan originators to be licensed under the California Residential Mortgage Lending Act. Additionally, California law mandates that lenders provide a Good Faith Estimate and a Mortgage Loan Disclosure Statement within three business days of application.
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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.