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Find FHA Loan Specialists Near You in Atascadero, CA
Directory of fha loan specialists in Atascadero, California. Verify credentials with the state mortgage licensing authority before hiring.
7 agents listed
Updated May 2026
Atascadero, 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 7 fha loan specialists in Atascadero, CA
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FHA loan specialists in Atascadero, California help homebuyers secure government backed loans with lower down payments. California law requires FHA lenders to follow strict disclosure rules under the California Residential Mortgage Lending Act. Local specialists understand the unique housing market in San Luis Obispo County and can guide you through the FHA loan process from pre approval to closing.
What Does a FHA Loan Specialist in Atascadero Cost?
Typical costs for an FHA loan in California include an upfront mortgage insurance premium of 1.75 percent of the loan amount and an annual MIP of 0.55 to 0.85 percent. Closing costs usually range from 2 to 5 percent of the purchase price. For a $500,000 home this means $10,000 to $25,000 in closing costs plus the upfront MIP of $8,750. Costs vary by lender, loan size, and property. 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 is an FHA loan specialist in Atascadero?
An FHA loan specialist is a licensed mortgage professional who helps borrowers apply for Federal Housing Administration insured loans. In California they must hold a valid Mortgage Loan Originator license from the Department of Financial Protection and Innovation. They guide you through credit score minimums and down payment requirements.
What are the FHA loan limits for Atascadero in 2025?
For 2025 the FHA loan limit for a single family home in San Luis Obispo County including Atascadero is approximately $1,209,750 for high cost areas. This limit is set by HUD and updated annually. A specialist can confirm the exact amount for your property type.
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 percent down payment. Borrowers with scores between 500 and 579 may qualify with a 10 percent down payment. California lenders may have their own overlays so check with a specialist for current requirements.
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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.