FHA Loan Specialists in Lathrop, CA — Compare & Find

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 2 fha loan specialists in Lathrop, 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.

Homestead Real Estate Munish Ghai Real Estate & Property Management

16201 S Harlan Rd Suite A, Lathrop, CA 95330

(209) 888-7033 munishghairealestate.com

Sunset Home Loans

15810 S Harlan Rd, Lathrop, CA 95330

(209) 249-6216

FHA loan specialists in Lathrop, California help homebuyers secure government-backed mortgages with lower down payments. These loans are popular in San Joaquin County due to the areas moderate home prices and first-time buyer programs. California law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System (NMLS).

What Does a FHA Loan Specialist in Lathrop 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) of 0.55% to 0.85% depending on the loan term and down payment. Origination fees from a specialist range from 0.5% to 1.5% of the loan amount. Closing costs in San Joaquin County average 3% to 5% of the purchase price. 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 Lathrop California?

For 2024, the FHA loan limit for a single-family home in San Joaquin County, including Lathrop, is $498,257. This limit is set by the U.S. Department of Housing and Urban Development (HUD) and adjusts annually based on median home prices.

What credit score is needed for an FHA loan in Lathrop?

FHA loans 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 requiring higher scores, so check with a specialist.

FHA Loan Specialists in Other California Cities

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About Our Listings

Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state 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 State Mortgage Licensing Authority of California.

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