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Directory of fha loan specialists in Del Mar, California. Verify credentials with the state mortgage licensing authority before hiring.
6 agents listed
Updated May 2026
Del Mar, 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 6 fha loan specialists in Del Mar, 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.
Loantown
3790 Via De La Valle #314, Del Mar, CA 92014
8582890000
Team Home Loans - San Diego Mortgage Lenders
445 Marine View Ave UNIT 200, Del Mar, CA 92014
8584499790
Todd Benware Team - Home Loans - HomePlus Corporation dba HomePlus Mortgage NMLS ID 78669
1011 Camino Del Mar Suite 236, Del Mar, CA 92014
8005114080
Wise Home Loans
1110 Camino Del Mar Suite H, Del Mar, CA 92014
8583569100
Express Funding Mortgage Company
1237 Camino Del Mar UNIT I, Del Mar, CA 92014
8582593980
Melissa Howell at Guaranteed Rate Affinity (NMLS #264026)
3790 Via De La Valle Ste 301, Del Mar, CA 92014
6503956664
An FHA loan specialist in Del Mar California helps homebuyers navigate government backed mortgages with lower down payments and flexible credit requirements. California law requires FHA loan originators to hold a valid Mortgage Loan Originator license through the Nationwide Multistate Licensing System. Del Mar home values are high so FHA loan limits for San Diego County apply which are set annually by the Federal Housing Administration.
What Does a FHA Loan Specialist in Del Mar Cost?
Typical costs for an FHA loan in California include an upfront mortgage insurance premium of 1.75 percent of the loan amount and an annual MIP of 0.55 to 0.85 percent. Closing costs in Del Mar range from 2 to 5 percent of the purchase price. Appraisal fees are usually 500 to 700 dollars and lender origination fees vary. 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 Del Mar California in 2025?
For San Diego County which includes Del Mar the 2025 FHA loan limit for a single family home is 1,209,750. This limit applies to standard FHA loans and may be higher for duplexes or larger properties.
What credit score is needed for an FHA loan in Del Mar?
The minimum credit score for an FHA loan is 580 with a 3.5 percent down payment. Borrowers with a score between 500 and 579 may qualify with a 10 percent down payment. California lenders often require additional compensating factors for lower scores.
Are there California specific requirements for FHA loans?
Yes California requires a home inspection for FHA loans that includes a check for lead based paint in homes built before 1978. The state also mandates a natural hazard disclosure if the property is in a flood zone or fire hazard area.
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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.