FHA Loan Specialists in Cypress, CA — Compare & Find

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 4 fha loan specialists in Cypress, 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.

The Joe Soto Team - Home Loan Specialists

6101 Ball Rd Sutie 101, Cypress, CA 90630

(714) 820-1535 joesototeam.com

Eric Whitcomb at CrossCountry Mortgage

6101 Ball Rd # 101, Cypress, CA 90630

(949) 339-1946 ccm.com

Kinetic Mortgage

10073 Valley View St #403, Cypress, CA 90630

(714) 761-8187 kineticmortgage.com

Jenny Schippers at CrossCountry Mortgage, LLC

6101 Ball Rd # 101, Cypress, CA 90630

(714) 801-5715 ccm.com

An FHA loan specialist in Cypress, California can help you navigate the Federal Housing Administration loan process. These loans are popular in California due to lower down payment requirements and flexible credit guidelines. Local specialists understand Orange County housing market conditions and California specific escrow and disclosure laws.

What Does a FHA Loan Specialist in Cypress Cost?

Typical costs for an FHA loan in California include an upfront mortgage insurance premium of 1.75 percent of the loan amount, and annual MIP of 0.55 percent to 0.85 percent. Closing costs in Orange County range from 2 to 5 percent of the purchase price, including lender fees, title insurance, and escrow fees. Appraisal fees are usually $500 to $700. 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 Cypress California?

For 2025 the FHA loan limit for a single family home in Orange County including Cypress is $1,149,825. This high limit reflects the area median home price. Limits are updated annually by HUD.

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. Scores between 500 and 579 may qualify with a 10 percent down payment. California lenders may have overlays requiring higher scores.

How long does an FHA loan process take in California?

A standard FHA loan in California takes 30 to 45 days from application to closing. California law requires a three business day right of rescission after signing loan documents. Delays can occur due to appraisal or underwriting issues.

FHA Loan Specialists in Other California Cities

Adelanto · Agoura Hills · Alameda · Albany · Alhambra · Aliso Viejo · Anaheim · Antioch · Apple Valley · Arcadia · Arcata · Arroyo Grande · Artesia · Atascadero · Atwater

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About Our Listings

Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state 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 State Mortgage Licensing Authority of California.

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