FHA Loan Specialists in El Dorado Hills, CA
Directory of fha loan specialists in El Dorado Hills, California. Verify credentials with the state state mortgage licensing authority before hiring.
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 13 fha loan specialists in El Dorado Hills, 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.
What Does a FHA Loan Specialist in El Dorado Hills 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 usually range from 3 to 6 percent of the purchase price, including lender fees, appraisal fees, and title insurance. Costs vary by lender and loan size. 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 El Dorado Hills California in 2025?
For 2025, the FHA loan limit for a single-family home in El Dorado County is typically around $498,257 for standard areas. Higher limits may apply for high-cost areas. Check with a specialist for the exact amount.
What credit score is needed for an FHA loan in California?
FHA loans generally require a minimum credit score of 580 for a 3.5 percent down payment. Borrowers with scores between 500 and 579 may qualify with a 10 percent down payment. California lenders may have overlays requiring higher scores.
How long does the FHA loan process take in El Dorado Hills?
The typical FHA loan process takes 30 to 45 days from application to closing. Delays can occur due to appraisal requirements or document verification. California law requires a three-day right of rescission for refinances.