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Directory of fha loan specialists in Granite Bay, California. Verify credentials with the state mortgage licensing authority before hiring.
5 agents listed
Updated May 2026
Granite Bay, 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 5 fha loan specialists in Granite Bay, 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.
Green Mortgage Solutions
6085 Douglas Blvd #500, Granite Bay, CA 95746
9164778050
Kristin Cooper -Certified Mortgage Planner & Divorce Specialist
6085 Douglas Blvd #500, Granite Bay, CA 95746
9163904689
The Michael Gallagher Mortgage Team
6085 Douglas Blvd #500, Granite Bay, CA 95746
9167055115
Answer Home Loans, Inc.
6085 Douglas Blvd #500, Granite Bay, CA 95746
9165495679
Steelman Mortgages
6085 Douglas Blvd #500, Granite Bay, CA 95746
9168477263
An FHA loan specialist in Granite Bay, California helps homebuyers navigate FHA-insured mortgages, which are popular for their low down payment requirements. California law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System (NMLS). Granite Bay residents benefit from local specialists who understand the Placer County housing market and California-specific property appraisal standards.
What Does a FHA Loan Specialist in Granite Bay Cost?
Typical costs for an FHA loan specialist in California include an origination fee of 0.5 to 1.0 percent of the loan amount, plus an upfront mortgage insurance premium (UFMIP) of 1.75 percent of the loan. Annual mortgage insurance premiums range from 0.45 to 1.05 percent of the loan balance. For a $500,000 loan, total upfront costs might be $8,750 to $13,750, not including third-party fees like appraisal and title insurance. 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 Granite Bay in 2025?
For 2025, the FHA loan limit for a single-family home in Placer County, which includes Granite Bay, is set at $1,209,750 for high-cost areas. This limit is adjusted annually by the Federal Housing Administration based on local median home prices.
What credit score is needed for an FHA loan in California?
FHA loans generally require a minimum credit score of 580 for a 3.5 percent down payment. Borrowers with scores between 500 and 579 may still qualify with a 10 percent down payment. California lenders may impose additional overlays, so check with a specialist.
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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.