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Find FHA Loan Specialists Near You in Los Banos, CA
Compare fha loan specialists in Los Banos. Review contact information and insurance categorys before you decide.
4 agents listed
Updated May 2026
Los Banos, 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 Los Banos, 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.
Erika Garcia
Los Banos, CA 93635
4089638186
HII Mortgage Loans Los Banos CA
212 San Lorenzo St # N, Los Banos, CA 93635
2095878181
Supreme Lending - Los Banos
249 W Pacheco Blvd STE C, Los Banos, CA 93635
2092623310
Chase Home Lending
550 K St, Los Banos, CA 93635
2014503406
An FHA loan specialist in Los Banos, California can guide you through the process of obtaining a government-backed mortgage. These loans are popular in the Central Valley 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 Los Banos 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 Los Banos generally range from 2% to 5% of the purchase price. These fees vary based on the lender, loan amount, and property type. This is general information and 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 Los Banos in 2025?
For 2025, the FHA loan limit for a single-family home in Merced County, which includes Los Banos, is $498,257. This limit is set by the Department of Housing and Urban Development (HUD) and applies to most areas.
What credit score is needed for an FHA loan in California?
FHA loans typically require a minimum credit score of 580 for a 3.5% down payment. Borrowers with scores between 500 and 579 may still qualify but need a 10% down payment. California lenders may have additional requirements.
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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.