ADVERTISING DISCLOSURE: BeforeMortgageUSA.com is an informational directory, not an mortgage company or broker. We do not sell insurance or provide mortgage or financial advice. No broker-client relationship is created by using this site. No broker listed on this site has paid for, authorized, or approved their listing. This is an advertisement.
Looking for a fha loan specialist in Brea? Review the directory below to compare your options.
17 agents listed
Updated May 2026
Brea, 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 17 fha loan specialists in Brea, 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.
10 Pointe Dr #330, Brea, CA 92821
7148314000
Mutual Home Mortgage
500 S Kraemer Blvd Suite 165, Brea, CA 92821
9492503981
Joshua Sun Loans
210 W Birch St #201, Brea, CA 92821
6575779124
DirectMyLoan
10 Pointe Dr #330, Brea, CA 92821
9498686704
PrimeLending, A PlainsCapital Company - Irvine Spectrum - Brea
David Halford - Chase Home Lending Advisor - NMLS ID 256649
270 S State College Blvd, Brea, CA 92821
7146719707
An FHA loan specialist in Brea, California, helps homebuyers secure government-backed loans with lower down payments and flexible credit requirements. California law requires all FHA loan originators to hold a valid license from the Department of Financial Protection and Innovation. Brea residents often use FHA loans for single-family homes in neighborhoods like Birch Hills or downtown condos.
What Does a FHA Loan Specialist in Brea Cost?
Typical costs for an FHA loan in California include an upfront mortgage insurance premium of 1.75 percent of the loan amount, plus an annual mortgage insurance premium of 0.55 percent to 0.85 percent. Closing costs in Brea range from 2 to 5 percent of the purchase price, or about $8,000 to $20,000 on a $400,000 home. Lender fees, appraisal fees, and title insurance add to the total. 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 are the minimum credit score requirements for an FHA loan in Brea?
The standard minimum credit score for an FHA loan is 580 with a 3.5 percent down payment. Borrowers with scores between 500 and 579 may qualify with a 10 percent down payment. California lenders may impose higher overlays, so check with a specialist.
Are there California-specific limits for FHA loan amounts in Brea?
Yes, FHA loan limits for Brea follow Orange County guidelines. For 2025, the single-family home limit is typically around $1,209,750. High-cost area adjustments apply because Brea is in a high-cost county.
What documents do I need to apply for an FHA loan in California?
You need recent pay stubs, W-2 forms for the last two years, tax returns, bank statements, and a valid government ID. California also requires proof of California residency or intent to occupy the property as a primary residence.
Free • No Obligation
Compare FHA Loan Specialists
Get matched with agents in Brea who handle your type of case.
Affiliate Form Embed
Replace with iframe/embed code from your affiliate network
Affiliate Disclosure
The form above is provided by a third-party legal marketing service. BeforeMortgageUSA.com receives compensation when you submit a qualified inquiry. This is a free service with no obligation to hire any broker. Your information is collected and handled by the form provider according to their privacy policy.
Legal Notice
BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
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.