Find FHA Loan Specialists Near You in Chico, CA
Directory of fha loan specialists in Chico, California. Verify credentials with the state state mortgage licensing authority before hiring.
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
State Mortgage Licensing Authority of California before hiring.
Showing 19 fha loan specialists in Chico, 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.
What Does a FHA Loan Specialist in Chico Cost?
Typical costs for an FHA loan in California include the upfront MIP of 1.75 percent of the loan amount and annual MIP ranging from 0.15 to 0.75 percent. Closing costs in Butte County generally range from 3 to 6 percent of the purchase price. Lender fees and appraisal costs vary by provider. 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 FHA loan limits for Chico California in 2025?
For 2025 the FHA loan limit for a single-family home in Butte County is $498,257. This amount is set by the Department of Housing and Urban Development and may change annually.
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 still qualify with a 10 percent down payment.
Do FHA loans in California require mortgage insurance?
Yes all FHA loans require an upfront mortgage insurance premium (UFMIP) of 1.75 percent of the loan amount. Borrowers also pay an annual MIP which varies based on loan term and loan-to-value ratio.