FHA Loan Specialists in Fortuna, CA — Compare & Find

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 4 fha loan specialists in Fortuna, 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 Equity, Inc

656 Main St, Fortuna, CA 95540

(707) 682-8100 humboldtequity.com

Tri Counties Bank

909 Main St, Fortuna, CA 95540

(707) 725-7150 branch.tcbk.com

Redwood Capital Bank Fortuna

1075 S Fortuna Blvd Suite A, Fortuna, CA 95540

(707) 725-4722 redwoodcapitalbank.com

Senior Finance Group

935 Fernwood Dr, Fortuna, CA 95540

(707) 499-4362 sfgreversemortgage.com

FHA loan specialists in Fortuna, California help homebuyers and homeowners navigate FHA-insured mortgages. These loans are popular in Humboldt County due to lower down payment requirements and flexible credit guidelines. California law requires all FHA loan originators to be licensed through the Nationwide Multistate Licensing System (NMLS).

What Does a FHA Loan Specialist in Fortuna Cost?

FHA loan costs in California include an upfront mortgage insurance premium (UFMIP) of 1.75 percent of the loan amount, plus an annual MIP of 0.45 to 1.05 percent depending on loan term and down payment. Typical closing costs range from 3 to 6 percent of the purchase price. Lender fees, appraisal fees, and title insurance also apply. 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 credit score do I need for an FHA loan in Fortuna?

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. Each lender may apply additional requirements.

Are there California-specific limits for FHA loans in Fortuna?

Yes, FHA loan limits vary by county. For Humboldt County in 2025, the single-family home limit is $498,257. This amount is set by the Federal Housing Administration and updated annually based on median home prices.

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 appraisals or documentation are incomplete. California law requires a three-day right of rescission for refinances.

FHA Loan Specialists in Other California Cities

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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.

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