ADVERTISING DISCLOSURE: BeforeMortgageUSA.com is an informational directory, not an mortgage company or broker. We do not sell insurance or provide mortgage or financial advice. No broker-client relationship is created by using this site. No broker listed on this site has paid for, authorized, or approved their listing. This is an advertisement.
Compare fha loan specialists in Martinez. Review contact information and insurance categorys before you decide.
3 agents listed
Updated May 2026
Martinez, 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 Martinez, 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.
Silverado Home Mortgage
1110 Alhambra Ave Ste 103, Martinez, CA 94553
9259562674
Wall Street Money Brokers
1320 Arnold Dr, Martinez, CA 94553
9253702290
Chase Home Lending
4201 Alhambra Ave, Martinez, CA 94553
3327995456
An FHA loan specialist in Martinez California can help you navigate the process of obtaining a mortgage insured by the Federal Housing Administration. These loans are popular in the Bay Area due to lower down payment requirements and flexible credit standards. California law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System (NMLS), ensuring they meet state education and background check standards.
What Does a FHA Loan Specialist in Martinez Cost?
Typical costs for an FHA loan specialist in Martinez California include an origination fee which is usually 1 percent of the loan amount. For a $700,000 loan that would be $7,000. Other costs include appraisal fees of $500 to $700, credit report fees of $30 to $50, and title insurance which can cost $2,000 to $4,000. Closing costs in California often total 3 to 5 percent of the purchase price. 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 Martinez California?
For 2024 the FHA loan limit for a single-family home in Contra Costa County including Martinez is $1,149,825. This high limit reflects the elevated home prices in the San Francisco Bay Area. Limits are adjusted annually by the Department of Housing and Urban Development (HUD).
What is the minimum down payment for an FHA loan in California?
The minimum down payment for an FHA loan is 3.5 percent of the purchase price if you have a credit score of 580 or higher. If your credit score is between 500 and 579 you may still qualify but will need a 10 percent down payment. California does not impose additional state-level down payment requirements beyond federal FHA rules.
Do FHA loans require mortgage insurance in California?
Yes all FHA loans require two types of mortgage insurance. You pay an upfront mortgage insurance premium (UFMIP) of 1.75 percent of the loan amount which can be rolled into the loan. You also pay an annual mortgage insurance premium (MIP) that ranges from 0.15 percent to 0.75 percent of the loan balance depending on your loan term and loan-to-value ratio. This insurance protects the lender if you default.
Free • No Obligation
Compare FHA Loan Specialists
Get matched with agents in Martinez who handle your type of case.
Affiliate Form Embed
Replace with iframe/embed code from your affiliate network
Affiliate Disclosure
The form above is provided by a third-party legal marketing service. BeforeMortgageUSA.com receives compensation when you submit a qualified inquiry. This is a free service with no obligation to hire any broker. Your information is collected and handled by the form provider according to their privacy policy.
Legal Notice
BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
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.