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Browse fha loan specialists serving Lincoln, California. Contact information and addresses listed below.
4 agents listed
Updated May 2026
Lincoln, 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 4 fha loan specialists in Lincoln, 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.
Sherene Gray - Fairway Independent Mortgage
436 Lincoln Blvd Suite 105, Lincoln, CA 95648
9167988026
Mike Swaleh | Lincoln CA Branch | Fairway Home Mortgage
436 Lincoln Blvd Suite 105, Lincoln, CA 95648
3144783699
Lighthouse Mortgage Company Inc.
570 5th St #100, Lincoln, CA 95648
4088923523
Fairway Home Mortgage
436 Lincoln Blvd Suite 105, Lincoln, CA 95648
2093278415
What Does a FHA Loan Specialist in Lincoln Cost?
Typical costs for an FHA loan specialist in Lincoln, California include an origination fee of 1 to 1.5 percent of the loan amount, plus an upfront mortgage insurance premium of 1.75 percent of the base loan amount. Annual mortgage insurance premiums range from 0.45 to 1.05 percent depending on loan term and down payment. Appraisal fees in the area are usually $500 to $700. These are general estimates and your actual costs will vary based on your specific loan and lender. 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 is an FHA loan and how does it work in Lincoln California?
An FHA loan is a mortgage insured by the Federal Housing Administration with lower down payment requirements. In Lincoln, these loans typically require a 3.5 percent down payment and a credit score of at least 580. The loan limit for Placer County in 2025 is generally around $498,257 for a single family home.
What documents do I need to apply for an FHA loan in Lincoln?
You will need recent pay stubs, W-2 forms from the past two years, tax returns, bank statements, and a valid ID. California law also requires proof of California residency or intent to occupy the property. Your FHA loan specialist will guide you through the full checklist.
Are there California specific rules for FHA loans in Lincoln?
Yes, California has strict anti predatory lending laws and requires lenders to provide a Good Faith Estimate within three days of application. Also, California Civil Code Section 2924 governs the foreclosure process for FHA loans. Lincoln properties must meet FHA minimum property standards.
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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.