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Compare fha loan specialists in Monterey. Review contact information and insurance categorys before you decide.
16 agents listed
Updated May 2026
Monterey, 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 16 fha loan specialists in Monterey, 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.
TreeHouse Mortgage Group
288 Pearl St floor 2, Monterey, CA 93940
8316451160
PrimeLending, A PlainsCapital Company - Monterey
24560 Silver Cloud Ct STE 105, Monterey, CA 93940
8316451050
Jeff McMullen at CrossCountry Mortgage
2 Lower Ragsdale Dr Suite 130, Monterey, CA 93940
8312052066
Travis Erb - Mortgage Broker
Serving the Central Valley, 777 Cass St, Monterey, CA 93940
5593492635
Trevor Moore at CrossCountry Mortgage
2 Lower Ragsdale Dr Suite 130, Monterey, CA 93940
8319157718
Shannon James | Mortgage Advisor
777 Cass St, Monterey, CA 93940
8318699153
Darius Livian, NMLS #255341, PrimeLending
24560 Silver Cloud Ct STE 105, Monterey, CA 93940
8316451050
Bridget Hughbanks Villicana at CrossCountry Mortgage
An FHA loan specialist in Monterey California helps home buyers and homeowners navigate FHA insured loans. These loans are backed by the Federal Housing Administration and often require a lower down payment. In California, state law requires lenders to provide a Good Faith Estimate within three business days of a loan application, and all FHA loans must meet the Department of Housing and Urban Development guidelines.
What Does a FHA Loan Specialist in Monterey Cost?
Typical costs for an FHA loan specialist in California include an upfront mortgage insurance premium of 1.75 percent of the loan amount and an annual mortgage insurance premium ranging from 0.45 to 1.05 percent. Origination fees usually range from 0.5 to 1.0 percent of the loan amount. Appraisal fees in Monterey average 500 to 700 dollars. Total closing costs often fall between 3 and 5 percent of the home 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 main FHA loan requirements in Monterey California?
FHA loans require a minimum credit score of 580 for a 3.5 percent down payment. Borrowers must have a debt to income ratio below 43 percent. The property must also meet FHA minimum property standards and be your primary residence.
How do I find a qualified FHA loan specialist in Monterey?
You can search for FHA approved lenders through the HUD lender list online. Look for specialists who have experience with California specific regulations and local property types. Verify their license with the California Department of Financial Protection and Innovation.
What is the maximum FHA loan limit for Monterey County in 2025?
For 2025, the FHA loan limit for a single family home in Monterey County is 1,209,750 dollars. This amount is set by HUD and applies to all FHA insured loans in the county. Limits may change annually based on median home prices.
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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.