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Compare fha loan specialists in Capitola. Review contact information and insurance categorys before you decide.
9 agents listed
Updated May 2026
Capitola, 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 9 fha loan specialists in Capitola, 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.
Academy Mortgage - Santa Cruz - Capitola
1500 41st Ave #100, Capitola, CA 95010
8314761624
Matthew Falconer at CrossCountry Mortgage
4145 Clares St Suite F, 2nd Floor, Capitola, CA 95010
8313594430
Guild Mortgage - Monica Bowman
1500 41st Ave #100, Capitola, CA 95010
8318182435
Financial Solution Home Loans- Reverse and Forward mortgages. Jeri Skipper
1840 41st Ave STE 205, Capitola, CA 95010
8318180299
Change Home Mortgage
523 Capitola Ave, Capitola, CA 95010
8314600202
Dwayne Dawson - Argus Home Loans Real Estate Financing
621 Capitola Ave, Capitola, CA 95010
8315887288
Supreme Lending Capitola
4510 Capitola Rd, Capitola, CA 95010
8314755626
CrossCountry Mortgage, LLC
4145 Clares St Suite F 2nd Floor, Capitola, CA 95010
8313594430
Guild Mortgage Company
1500 41st Ave #100, Capitola, CA 95010
8314761624
FHA loan specialists in Capitola, California help homebuyers secure government-backed mortgages with lower down payments. Capitola is located in Santa Cruz County, where California law requires FHA lenders to provide a Good Faith Estimate within three days of application. These specialists guide clients through California-specific disclosure rules and property appraisal standards for FHA loans.
What Does a FHA Loan Specialist in Capitola Cost?
Typical costs for FHA loan services in California include an upfront mortgage insurance premium of 1.75 percent of the loan amount and an annual premium of 0.55 percent to 0.85 percent. Origination fees range from 0.5 percent to 1.0 percent of the loan. Closing costs in Santa Cruz County average 2 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 does an FHA loan specialist in Capitola do?
An FHA loan specialist helps you apply for a Federal Housing Administration loan, which requires a 3.5 percent down payment. They review your credit score, debt-to-income ratio, and employment history to ensure you meet California and FHA guidelines.
What are the FHA loan limits for Capitola California?
For 2024, the FHA loan limit for a single-family home in Santa Cruz County including Capitola is $1,149,825. This high limit reflects the area's elevated home prices. Limits are set by HUD and updated annually.
Do I need a specific license to be an FHA loan specialist in California?
Yes, FHA loan specialists in California must hold a valid Mortgage Loan Originator license through the Nationwide Multistate Licensing System. They must also complete 20 hours of pre-licensing education and pass a state exam.
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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.