ADVERTISING DISCLOSURE: BeforeMortgageUSA.com is an informational directory, not an mortgage company or broker. We do not sell insurance or provide mortgage or financial advice. No broker-client relationship is created by using this site. No broker listed on this site has paid for, authorized, or approved their listing. This is an advertisement.
Compare fha loan specialists in Foothill Ranch. Review contact information and insurance categorys before you decide.
3 agents listed
Updated June 2026
Foothill Ranch, 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 State Mortgage Licensing Authority of California before hiring.
Showing 3 fha loan specialists in Foothill Ranch, 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.
Valorem Lending
26672 Towne Centre Dr Ste 125, Foothill Ranch, CA 92610
FHA loan specialists in Foothill Ranch help homebuyers secure government backed mortgages with lower down payments. California law requires FHA lenders to be licensed by the Department of Financial Protection and Innovation. Specialists in Orange County guide clients through FHA appraisal rules and California property tax disclosure requirements.
What Does a FHA Loan Specialist in Foothill Ranch Cost?
Typical costs for an FHA loan specialist in California include an origination fee of 1% to 1.5% of the loan amount. Third party fees such as appraisal and credit report range from $500 to $1,200. Closing costs in Orange County average 3% to 5% of the purchase price. 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 are the FHA loan limits for Foothill Ranch in 2025?
For 2025 the FHA loan limit for a single family home in Orange County is $1,209,750. This high limit reflects the area median home price. Limits are set by HUD and updated annually.
Do FHA loans in California require mortgage insurance?
Yes all FHA loans require an upfront mortgage insurance premium of 1.75% of the loan amount. You also pay an annual MIP which varies from 0.45% to 1.05% depending on loan term and down payment. This insurance protects the lender.
Can I use an FHA loan for a condo in Foothill Ranch?
Yes but the condo complex must be on the FHA approved condominium list. Many complexes in Foothill Ranch are approved. Your specialist can check the HUD database to confirm eligibility before you apply.
Get matched with agents in Foothill Ranch who handle your type of case.
Affiliate Form Embed
Replace with iframe/embed code from your affiliate network
Affiliate Disclosure
The form above is provided by a third-party legal marketing service. BeforeMortgageUSA.com receives compensation when you submit a qualified inquiry. This is a free service with no obligation to hire any broker. Your information is collected and handled by the form provider according to their privacy policy.
Legal Notice
BeforeMortgageUSA.com is not a law firm, mortgage referral service, or legal advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state state mortgage licensing authority association before hiring.
About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state 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 State Mortgage Licensing Authority of California.