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Compare fha loan specialists in Tracy. Review contact information and insurance categorys before you decide.
15 agents listed
Updated May 2026
Tracy, 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 15 fha loan specialists in Tracy, 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.
Peter F Stebbins - Chase Home Lending Advisor - NMLS ID 1253776
691 W 11th St, Tracy, CA 95376
4129256518
Opes Advisors
1912 Grant Line Rd, Tracy, CA 95376
2094359631
An FHA loan specialist in Tracy California can guide you through the process of obtaining a government backed mortgage insured by the Federal Housing Administration. Tracy home buyers often use FHA loans because of 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 Tracy Cost?
Typical costs for an FHA loan in California include an upfront mortgage insurance premium (UFMIP) of 1.75 percent of the loan amount and an annual mortgage insurance premium (MIP) of 0.55 to 0.85 percent. Closing costs in Tracy generally range from 2,000 to 5,000 dollars but can vary based on the loan amount and lender fees. 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 credit score is needed for an FHA loan in Tracy California?
FHA loans typically require a minimum credit score of 580 for a 3.5 percent down payment. Borrowers with a score between 500 and 579 may qualify with a 10 percent down payment. Each lender may have its own overlay requirements above the FHA minimum.
What is the maximum FHA loan limit for Tracy California?
For 2025 the FHA loan limit for a single family home in San Joaquin County including Tracy is 498,257 dollars. This limit applies to standard FHA loans and may be higher for duplexes or triplexes. Limits are adjusted annually by the Department of Housing and Urban Development.
How long does it take to close an FHA loan in Tracy?
A typical FHA loan closing in California takes 30 to 45 days from application to funding. Delays can occur if the property needs repairs required by the FHA appraisal or if additional documentation is needed. Your loan officer will provide a timeline estimate based on your specific situation.
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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.