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Find FHA Loan Specialists Near You in El Cerrito, CA
Directory of fha loan specialists in El Cerrito, California. Verify credentials with the state mortgage licensing authority before hiring.
4 agents listed
Updated May 2026
El Cerrito, 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 4 fha loan specialists in El Cerrito, 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.
Chris Mason - Residential and Commercial Mortgage Broker
6500 Fairmount Ave Suite 12, El Cerrito, CA 94530
4158469211
America's Home Loans - Kushaal Malde
6500 Fairmount Ave Suite 12, El Cerrito, CA 94530
6504776147
Celeste Jennings - Chase Home Lending Advisor - NMLS ID 460005
9950 San Pablo Ave, El Cerrito, CA 94530
5104359664
Chase Home Lending
9950 San Pablo Ave, El Cerrito, CA 94530
5104359664
An FHA loan specialist in El Cerrito, California, can help you navigate the Federal Housing Administration loan process. California has specific rules regarding FHA loan limits, which vary by county and are updated annually. A specialist can guide you on down payment requirements and property eligibility in Contra Costa County.
What Does a FHA Loan Specialist in El Cerrito 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 mortgage insurance premium of 0.55 to 0.85 percent. Closing costs generally range from 2 to 5 percent of the loan amount, which can be $10,000 to $25,000 on a $500,000 loan. Note that costs vary by situation, lender, and borrower qualifications. 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 is an FHA loan specialist in El Cerrito?
An FHA loan specialist is a licensed mortgage professional who helps borrowers apply for FHA-insured loans. They assist with credit requirements, down payment options, and property standards set by the Department of Housing and Urban Development.
What are the FHA loan limits for El Cerrito in 2025?
For 2025, the FHA loan limit for a single-family home in Contra Costa County is $1,209,750. This limit is based on the high-cost area designation for the San Francisco Bay Area region.
Do I need a specific license to offer FHA loans in California?
Yes, all mortgage loan originators in California must be licensed through the Nationwide Multistate Licensing System. They must also complete continuing education on California-specific laws, including the California Residential Mortgage Lending Act.
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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.