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Directory of fha loan specialists in Gilroy, California. Verify credentials with the state mortgage licensing authority before hiring.
2 agents listed
Updated May 2026
Gilroy, 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 Gilroy, 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.
Alison Andrus at Guaranteed Rate Affinity (NMLS #1118471)
8050 Santa Teresa Blvd Unit 210, Gilroy, CA 95020
8316621857
Mortgage, Bank of America
7111 Camino Arroyo Dr, Gilroy, CA 95020
8312288012
An FHA loan specialist in Gilroy can help you navigate the Federal Housing Administration loan process. These loans are popular in California because they allow lower down payments and have flexible credit requirements. Gilroy home buyers often use FHA loans for single family homes and condos in Santa Clara County.
What Does a FHA Loan Specialist in Gilroy Cost?
Typical costs for an FHA loan specialist in California include an origination fee of 1% to 1.5% of the loan amount. You may also pay an upfront mortgage insurance premium of 1.75% of the loan amount and annual mortgage insurance premiums of 0.55% to 0.85%. Other costs include appraisal fees around $500 to $700 and title insurance fees. 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 does an FHA loan specialist in Gilroy do?
An FHA loan specialist guides you through the FHA loan application and approval process. They help you understand FHA requirements such as the 3.5% minimum down payment and the upfront mortgage insurance premium. They also assist with California specific rules like the state mandated disclosures.
What are the FHA loan limits in Gilroy California?
For 2024 the FHA loan limit for a single family home in Santa Clara County including Gilroy is $1,149,825. This high limit reflects the area median home prices. Limits are adjusted annually by the Department of Housing and Urban Development.
Do I need a special license to be an FHA loan specialist in California?
Yes. In California mortgage loan originators must be licensed through the Nationwide Multistate Licensing System. They must also complete 20 hours of pre licensing education and pass a national and state exam. This ensures they understand California real estate laws and FHA guidelines.
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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.