Compare FHA Loan Specialists in Modesto, CA
Browse fha loan specialists serving Modesto, California. Contact information and addresses listed below.
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 20 fha loan specialists in Modesto, 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.
What Does a FHA Loan Specialist in Modesto Cost?
Typical costs for an FHA loan specialist in California include an origination fee of 1% to 1.5% of the loan amount plus third party fees for appraisal credit report and title services. For a $400,000 loan this means $4,000 to $6,000 in origination fees. FHA also requires an upfront mortgage insurance premium (UFMIP) of 1.75% of the loan amount and an annual MIP of 0.55% to 0.85% depending on loan term and down payment. These costs vary by lender and borrower situation. 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 does an FHA loan specialist in Modesto do?
An FHA loan specialist guides borrowers through the FHA loan process including pre approval application and closing. They help determine eligibility based on California income limits and property location within Modesto. Specialists also explain FHA mortgage insurance premiums and local appraisal requirements.
What are the FHA loan limits for Modesto California in 2025?
For 2025 the FHA loan limit for a single family home in Stanislaus County including Modesto is $498,257 for low cost areas and up to $766,550 for high cost areas. These limits are set by the Department of Housing and Urban Development and may change annually. A local specialist can confirm the exact limit for your specific property.
Do I need a special license to work with an FHA loan specialist in California?
Yes all mortgage loan originators in California must hold a valid license through the NMLS. This includes completing pre licensing education passing a national exam and undergoing a background check. You can verify a specialist license on the NMLS Consumer Access website.