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Compare fha loan specialists in La Mesa. Review contact information and insurance categorys before you decide.
15 agents listed
Updated May 2026
La Mesa, 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 15 fha loan specialists in La Mesa, 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.
Jeremy Patterson | Fairway Independent Mortgage Corporation Branch Manager
7863 La Mesa Blvd # 202, La Mesa, CA 91942
6198722540
FHA loan specialists in La Mesa, California help homebuyers secure government-backed mortgages with lower down payments and flexible credit requirements. La Mesa is part of San Diego County, where FHA loan limits for 2025 are set at $552,000 for a single-family home. These loans are insured by the Federal Housing Administration and require an upfront mortgage insurance premium of 1.75% of the loan amount.
What Does a FHA Loan Specialist in La Mesa Cost?
Typical costs for an FHA loan in California include an upfront mortgage insurance premium (UFMIP) of 1.75% of the loan amount, and an annual mortgage insurance premium (MIP) ranging from 0.45% to 1.05% of the loan balance. Closing costs in La Mesa usually range from 2% to 5% of the purchase price, including appraisal fees of $400 to $700 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 requirements in La Mesa California?
FHA loans in La Mesa require a minimum credit score of 580 for a 3.5% down payment, or 500 with a 10% down payment. Borrowers must also have a debt-to-income ratio below 43% and the property must meet FHA appraisal standards.
How do I find a FHA loan specialist in La Mesa?
You can search for FHA-approved lenders on the HUD website or contact local mortgage brokers in La Mesa. Many lenders in San Diego County offer FHA loans and can prequalify you based on your income and credit history.
What is the FHA loan limit for La Mesa California in 2025?
For 2025, the FHA loan limit for a single-family home in La Mesa, which is in San Diego County, is $552,000. Higher limits apply for duplexes, triplexes, and fourplexes, up to $1,061,000 for a four-unit property.
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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.