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Browse fha loan specialists serving Lodi, California. Contact information and addresses listed below.
11 agents listed
Updated May 2026
Lodi, 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 11 fha loan specialists in Lodi, 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.
Atlas Mortgage Group
2 S Lee Ave North Unit, Lodi, CA 95240
2093298567
Phil Quisin - Home Loans
Remote Online, Lodi, CA 95240
2096639194
American Pacific Mortgage
1530 W Kettleman Ln B, Lodi, CA 95242
2093674232
Richard Longmire Team - Finance of America NMLS-19104
1530 W Kettleman Ln B, Lodi, CA 95242
2093674232
Lance Skirvin, Eureka Mortgage Planning
1530 W Kettleman Ln B, Lodi, CA 95242
2093279368
ELS Home Lending
101 W Locust St, Lodi, CA 95240
2094269189
Dave Campagna - Big Valley Mortgage - NMLS #286534
400 E Kettleman Ln Suite 20, Lodi, CA 95240
4084061934
Investment Mortgage
1816 W Kettleman Ln STE F, Lodi, CA 95242
2094732191
Mark Massa at CrossCountry Mortgage
801 S Ham Ln Suite K, Lodi, CA 95242
2094719829
Golden State Mortgage Inc
601 W Kettleman Ln Ste. B, Lodi, CA 95240
2096254000
Robert Ardelean - Golden State Mortgage
601 W Kettleman Ln Ste B, Lodi, CA 95240
2099151547
An FHA loan specialist in Lodi California can guide you through the process of obtaining a mortgage insured by the Federal Housing Administration. These loans 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).
What Does a FHA Loan Specialist in Lodi Cost?
Typical costs for an FHA loan specialist in California include an origination fee of 1 to 2 percent of the loan amount. Upfront mortgage insurance premium (UFMIP) is 1.75 percent of the loan amount, and annual mortgage insurance premiums range from 0.45 to 1.05 percent depending on loan terms and down payment. Appraisal fees in Lodi usually cost between $500 and $700. Closing costs generally total 2 to 5 percent 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 is an FHA loan specialist in Lodi?
An FHA loan specialist is a licensed mortgage professional who helps borrowers apply for FHA-insured loans. They assist with credit requirements, down payment options, and the application process specific to California lending rules.
What are the FHA loan limits in Lodi California?
For 2025, the FHA loan limit for a single-family home in San Joaquin County where Lodi is located is $530,150. Higher limits apply for multi-unit properties. These limits are set by the Department of Housing and Urban Development (HUD).
Do I need a down payment for an FHA loan in California?
FHA loans require a minimum down payment of 3.5 percent if your credit score is 580 or higher. If your score is between 500 and 579, a 10 percent down payment is required. California does not have state-specific down payment assistance for FHA loans, but local programs may be available.
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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.