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Compare fha loan specialists in Downey. Review contact information and insurance categorys before you decide.
20 agents listed
Updated May 2026
Downey, 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 20 fha loan specialists in Downey, 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.
American Financial Network, Inc.
8505 E Florence Ave, Downey, CA 90240
5628611414
Top real estate broker, FHA loan officer and property management expert by Melissa Marin-Gomez
7847 Florence Ave #101, Downey, CA 90240
5622356362
Home Central Financial, Reverse Mortgage, Refinance, Va, Fha, Downey
7847 Florence Ave #101, Downey, CA 90240
5628819811
EZ Fundings Inc.
8207 3rd St UNIT 102, Downey, CA 90241
5623999200
PRMG
8104 3rd St, Downey, CA 90241
5622315620
RGC Capital Inc.
9040 Telegraph Rd Suite 200, Downey, CA 90240
8772383837
1st Choice Lending, Downey
8141 2nd St #603, Downey, CA 90241
5623965050
New American Funding - Armine Arutunian
10841 Paramount Blvd Ste 204, Downey, CA 90241
5625058020
Jesus Olvera - Elite Mortgage Pros
8103 3rd St #1, Downey, CA 90241
5628333662
Bryan Camacho - Mortgage Lender | Dream Home Funding
3rd St #405, Downey, CA 90240
3233654662
New American Funding - Tigran Momdjian
10841 Paramount Blvd Ste 204, Downey, CA 90241
3238107114
Loyal Lending
11601 1/2 Paramount Blvd, Downey, CA 90241
5624506011
Real Consultants Mortgage and Real Estate Services
An FHA loan specialist in Downey, California can help homebuyers navigate the Federal Housing Administration loan process. California law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System (NMLS). Downey residents often use FHA loans for their lower down payment requirements and flexible credit guidelines.
What Does a FHA Loan Specialist in Downey Cost?
Typical costs for an FHA loan in Downey include an upfront mortgage insurance premium of 1.75 percent of the loan amount and an annual premium of 0.55 percent for most loans. Closing costs generally range from 2 to 5 percent of the purchase price, including appraisal fees of $500 to $700, title insurance, and lender fees. California law requires a Good Faith Estimate of fees. 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 Downey, California?
For 2025, the FHA loan limit for a single-family home in Los Angeles County, including Downey, is $1,209,750. This higher limit applies because the area is designated as a high-cost region under California housing guidelines.
What credit score is needed for an FHA loan in Downey?
The minimum credit score for an FHA loan is typically 580 with a 3.5 percent down payment. Borrowers with scores between 500 and 579 may still qualify but must put down at least 10 percent. California lenders may have their own overlays above these minimums.
How does California law affect FHA loan closing costs?
California law limits certain fees, such as the document preparation fee, to actual costs. FHA loans require an upfront mortgage insurance premium of 1.75 percent of the loan amount, plus an annual premium. All fees must be disclosed in the Loan Estimate within three business days of application.
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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.