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 17 fha loan specialists in Eureka, 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.
Humboldt Mortgage Company
2037 Harrison Ave, Eureka, CA 95501
7074453027
CrossCountry Mortgage, Christine Joyner Manager
322 1st St, Eureka, CA 95501
7076018188
Joey D'Ambra at CrossCountry Mortgage
322 1st St, Eureka, CA 95501
7072232272
Oceana Bansemer Summit Funding
325 2nd St STE 103, Eureka, CA 95501
7072967076
SN Servicing Corporation
323 5th St, Eureka, CA 95501
8006030836
ReProp Financial
735 4th St, Eureka, CA 95501
7074447711
Summit Funding, Inc.
325 2nd St STE 103, Eureka, CA 95501
7072967077
Pacific Home Team at NEO Home Loans
332 Harris St B, Eureka, CA 95503
7074411411
Key Mortgage Group
3117 E St, Eureka, CA 95503
7074422242
Adam Freitas - Pacific Home Team at NEO Home Loans
332 Harris St B, Eureka, CA 95503
7078346094
Humboldt Home Loans
2145 Myrtle Avenue, Eureka, CA 95501
7072692334
Mountain Bay Mortgage
805 7th St, Eureka, CA 95501
7075727338
Jennifer Paye - Pacific Home Team
332 Harris St B, Eureka, CA 95503
7078454184
Fairway Independent Mortgage Corp
322 1st St, Eureka, CA 95501
7076018188
Matthew Owen - Tri Counties Bank, Mortgage
2444 F St, Eureka, CA 95501
7073039303
Larson Home Loans
427 F St #235, Eureka, CA 95501
7073217094
Columbia Bank Home Lending
701 5th St, Eureka, CA 95501
7074453233
What Does a FHA Loan Specialist in Eureka Cost?
Typical costs for an FHA loan in Eureka include an upfront mortgage insurance premium of 1.75% of the loan amount and an annual premium of 0.55% to 0.85% depending on loan term and down payment. Closing costs generally range from 2% to 5% of the purchase price, including appraisal fees around $500 to $700 and title insurance. Lender origination fees vary but often fall between 0.5% and 1% of the loan amount. 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 does an FHA loan specialist do in Eureka?
An FHA loan specialist guides you through the FHA loan process, including pre-approval, documentation, and closing. They help you understand FHA guidelines such as the 3.5% minimum down payment and the required mortgage insurance premium. Specialists also ensure compliance with California state lending laws.
What are the FHA loan limits for Eureka California?
For 2024, the FHA loan limit for a single-family home in Humboldt County is $498,257. This limit is based on the area median home price and is set by the Department of Housing and Urban Development. Higher limits apply for multi-unit properties.
How long does the FHA loan process take in California?
The typical FHA loan process in California takes 30 to 45 days from application to closing. Delays can occur if additional documentation is needed or if appraisal issues arise. California law requires a three-business-day right of rescission after signing loan documents.