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Compare fha loan specialists in Fair Oaks. Review contact information and insurance categorys before you decide.
2 agents listed
Updated May 2026
Fair Oaks, 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 2 fha loan specialists in Fair Oaks, 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.
Empire Home Loans, Inc.
4401 Hazel Ave #225, Fair Oaks, CA 95628
9168044768
Tri Valley Home Loans LLC
7844 Madison Ave #111, Fair Oaks, CA 95628
9169052500
An FHA loan specialist in Fair Oaks, California helps borrowers secure government-backed mortgages with lower down payments and flexible credit requirements. California law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System. Fair Oaks residents often use FHA loans for home purchases in Sacramento County where median home prices require careful financing.
What Does a FHA Loan Specialist in Fair Oaks Cost?
Typical costs for an FHA loan in California include an upfront mortgage insurance premium of 1.75 percent of the loan amount, which can be financed into the loan. Annual mortgage insurance premiums range from 0.45 to 1.05 percent of the loan balance depending on loan term and loan-to-value ratio. Closing costs in Fair Oaks generally range from 2 to 5 percent of the purchase price, including lender fees, title insurance, and escrow 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 Fair Oaks California?
For 2025, the FHA loan limit for a single-family home in Sacramento County including Fair Oaks is $552,250. Higher limits apply for duplexes, triplexes, and fourplex properties. These limits are set annually by the Department of Housing and Urban Development.
What credit score is needed for an FHA loan in Fair Oaks?
FHA loans typically 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 additional overlay requirements beyond FHA minimums.
Are there California-specific requirements for FHA loans?
California requires all FHA loans to include a state-mandated disclosure about the borrower right to cancel within three business days. Additionally, California Civil Code Section 2945.1 requires specific disclosures for high-cost loans. FHA loans in California also require a valid appraisal from a FHA-approved appraiser.
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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.