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Compare fha loan specialists in Modesto. Review contact information and insurance categorys before you decide.
20 agents listed
Updated May 2026
Modesto, 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 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.
Next Gen Home Loans
909 15th St #1, Modesto, CA 95354
8005448538
Academy Mortgage - Modesto
1001 Sylvan Ave Bldg B, Modesto, CA 95350
2098092312
Lending Assets
1356 Mitchell Rd Suite B, Modesto, CA 95351
8004089047
NorCal Mortgage
1127 13th St A, Modesto, CA 95354
8005793768
Jesse Santana Home Loans
823 15th St, Modesto, CA 95354
2095051821
Josh Dobson - MortgageDadof3
1409 Standiford Ave Suite 1, Modesto, CA 95350
2099889284
Alex Pallios - Generations Home Loans
1230 E Orangeburg Ave suite c, Modesto, CA 95350
2092020600
Alameda Mortgage Corporation
1101 Sylvan Ave suite c-102, Modesto, CA 95350
2095684941
Sondra Yates, CrossCountry Mortgage
3001 Coffee Rd Suite 2 & 7, Modesto, CA 95355
2094953562
Victor Martinez- Next Gen Home Loans| Financing for All, Hablamos Español
909 15th St #1, Modesto, CA 95354
2097801015
Guild Mortgage - Will Patterson
1101 Sylvan Ave Ste A-29, Modesto, CA 95350
2096057118
Aaron C. McKeon-Generations Home Loans
1230 E Orangeburg Ave suite c, Modesto, CA 95350
2093803913
THE MORTGAGE DR
3421 Tully Rd Ste A, Modesto, CA 95350
2092101840
Ability Ambeck Mortgage
220 Standiford Ave Suites G & J, Modesto, CA 95350
2095214480
Gerardo Perez | Mortgage Advisor
909 15th St, Modesto, CA 95354
2093033631
Up Star Home Mortgage Inc.
2005 Evergreen Ave, Modesto, CA 95350
2098465188
IMS Lending
3421 Tully Rd Ste A, Modesto, CA 95350
8009363220
Carrollton Mortgage Co
3430 Tully Rd Ste 46, Modesto, CA 95350
2095266200
Kenny Anderson at CrossCountry Mortgage | NMLS #372721
3300 Tully Rd Suite A-2, Modesto, CA 95350
2094994429
Pacific Coast Mortgage Advisors
515 Lyell Dr Suite 104, Modesto, CA 95356
2095297262
An FHA loan specialist in Modesto California helps homebuyers and homeowners navigate Federal Housing Administration insured loans. These loans are popular in Stanislaus County due to lower down payment requirements and flexible credit guidelines. California law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System (NMLS), ensuring a standard of professional conduct.
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.
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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.