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Browse fha loan specialists serving Laguna Beach, California. Contact information and addresses listed below.
3 agents listed
Updated May 2026
Laguna Beach, 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 3 fha loan specialists in Laguna Beach, 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.
Ziplend Inc
1590 S Coast Hwy # 7, Laguna Beach, CA 92651
8668493551
Loan Works Inc
1050 S Coast Hwy Suite D, Laguna Beach, CA 92651
9495372952
RTC Mortgage Corporation
1000 N Coast Hwy #7, Laguna Beach, CA 92651
9494944701
An FHA loan specialist in Laguna Beach, California helps borrowers navigate FHA-insured mortgages, which are popular for first-time homebuyers and those with lower credit scores. California law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System (NMLS). Laguna Beachs high property values mean FHA loan limits for Orange County apply, currently up to $1,209,750 for a single-family home in 2025.
What Does a FHA Loan Specialist in Laguna Beach Cost?
FHA loan specialist fees in California typically include an origination fee of 1% to 2% of the loan amount, plus third-party costs like appraisal and credit report fees. For a $1 million loan, origination fees might range from $10,000 to $20,000. FHA also charges an upfront mortgage insurance premium (UFMIP) of 1.75% of the loan amount and an annual MIP of 0.55% to 0.85%. Costs vary by lender and borrower profile. 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 does an FHA loan specialist do in Laguna Beach?
An FHA loan specialist guides borrowers through the FHA loan process, from pre-approval to closing. They help you understand credit requirements, down payment options, and property eligibility specific to Orange County. They also ensure compliance with California state lending laws.
What are the FHA loan limits for Laguna Beach in 2025?
For 2025, the FHA loan limit for a single-family home in Orange County, including Laguna Beach, is $1,209,750. This high limit reflects the areas elevated home prices. For multi-unit properties, limits are higher.
Do I need a specific license to be an FHA loan specialist in California?
Yes. All mortgage loan originators in California must hold a valid license through the NMLS and comply with the California Residential Mortgage Lending Act. They must also complete continuing education each year.
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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.