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Browse fha loan specialists serving Coalinga, California. Contact information and addresses listed below.
2 agents listed
Updated May 2026
Coalinga, 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 Coalinga, CA
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An FHA loan specialist in Coalinga, California helps borrowers navigate FHA-insured mortgages, which are popular for first-time homebuyers and those with lower credit scores. California law requires FHA lenders to follow specific disclosure rules under the California Residential Mortgage Lending Act. Local specialists understand Coalingas housing market and can guide you through the loan process.
What Does a FHA Loan Specialist in Coalinga Cost?
Typical costs for an FHA loan specialist in California include an origination fee of 0.5% to 1% of the loan amount, plus third-party fees for appraisal (around $500 to $700) and credit report (about $30 to $50). The upfront mortgage insurance premium is 1.75% of the loan, and annual mortgage insurance ranges from 0.45% to 1.05% of the loan balance. Costs vary by situation and lender. 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 are the FHA loan limits for Coalinga in 2025?
For 2025, the FHA loan limit for a single-family home in Fresno County, including Coalinga, is $498,257. This limit applies to standard FHA loans and may be higher for duplexes or triplexes. Check with a specialist for the most current limits.
What credit score do I need for an FHA loan in California?
FHA loans typically require a minimum credit score of 580 for a 3.5% down payment. If your score is between 500 and 579, you may still qualify with a 10% down payment. California lenders may have overlays requiring a higher minimum score.
Are there California-specific rules for FHA loan closing costs?
Yes, California law limits certain closing costs and requires lenders to provide a Loan Estimate within three business days of application. Under California Civil Code Section 1026, lenders must disclose all fees clearly. FHA loans also have a 1.75% upfront mortgage insurance premium.
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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.