Compare FHA Loan Specialists in Granite Bay, CA
Compare fha loan specialists in Granite Bay. Review contact information and insurance categorys before you decide.
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 5 fha loan specialists in Granite Bay, CA
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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.
Are there California-specific FHA loan requirements?
Yes, California requires all FHA loans to comply with state disclosure laws, including the California Residential Mortgage Lending Act. Additionally, California has strict rules about prepayment penalties and requires lenders to provide a Good Faith Estimate within three business days of application.