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Looking for a fha loan specialist in Atwater? Review the directory below to compare your options.
2 agents listed
Updated May 2026
Atwater, 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 2 fha loan specialists in Atwater, 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.
American Financial Network, Inc. - Atwater, CA
2554 Alabama St a, Atwater, CA 95301
7148314578
American Pacific Mortgage
1169 Broadway Ave, Atwater, CA 95301
2093577000
An FHA loan specialist in Atwater California can guide you through the process of obtaining a mortgage insured by the Federal Housing Administration. These loans are popular for first time home buyers and those with lower credit scores. California law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System (NMLS).
What Does a FHA Loan Specialist in Atwater Cost?
Typical costs for an FHA loan specialist in California include an origination fee which is usually 1 percent of the loan amount. Third party costs such as appraisal fees range from $500 to $700 and credit report fees are about $30 to $50. Closing costs in California can total 3 to 5 percent of the purchase price. 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 credit score do I need for an FHA loan in Atwater 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 still qualify with a 10 percent down payment. Your specialist can review your specific situation.
How much is the FHA mortgage insurance premium in California?
FHA loans require an upfront mortgage insurance premium (UFMIP) of 1.75 percent of the loan amount. There is also an annual MIP that ranges from 0.45 percent to 1.05 percent depending on the loan term and amount. This is standard for all FHA loans nationwide including California.
What are the FHA loan limits for Atwater Merced County?
For 2025 the FHA loan limit for a single family home in Merced County is $498,257. This limit applies to most areas and is adjusted annually by the Department of Housing and Urban Development. Higher limits may apply for duplexes and larger properties.
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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.