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Showing 3 fha loan specialists in La Habra, 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.
California Home Loans
721 W Whittier Blvd STE O, La Habra, CA 90631
5623282994
Smart Funding Group Inc
1901 E Lambert Rd Suite 108, La Habra, CA 90631
8887340462
Maidstone Mortgage, Inc
1901 E Lambert Rd ste 203-t, La Habra, CA 90631
5626190785
What Does a FHA Loan Specialist in La Habra Cost?
Typical costs for an FHA loan in California include an upfront mortgage insurance premium (UFMIP) of 1.75% of the loan amount, plus an annual mortgage insurance premium (MIP) ranging from 0.45% to 1.05% of the loan balance. Closing costs in La Habra generally range from 2% to 5% of the purchase price, including lender fees, appraisal fees, and title insurance. Costs vary by lender and loan size. 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 credit score requirements for an FHA loan in La Habra?
FHA loans typically require a minimum credit score of 580 for a 3.5% down payment. Borrowers with scores between 500 and 579 may qualify with a 10% down payment. California lenders may have overlays that require higher scores.
What is the maximum FHA loan limit for La Habra, California?
For 2024, the FHA loan limit for single-family homes in Orange County, including La Habra, is $1,149,825. This high limit reflects the area's elevated home prices. Limits are updated annually by HUD.
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. This timeline includes appraisal, underwriting, and compliance with California disclosure laws. Delays can occur if additional documentation is needed.