FHA Loan Specialists in National City, CA — Compare & Find

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 2 fha loan specialists in National City, 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.

GHI Mortgage

2434 Southport Way D, National City, CA 91950

(866) 586-4167 ghimortgage.com

California Housing Administration

1625 Sweetwater Rd Suite D, National City, CA 91950

(619) 327-1400 cha-fha.com

An FHA loan specialist in National City, California helps homebuyers secure loans insured by the Federal Housing Administration. These loans are popular for first-time buyers and those with lower credit scores. California law requires FHA loan specialists to hold a valid Mortgage Loan Originator license through the Nationwide Multistate Licensing System.

What Does a FHA Loan Specialist in National City 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. Lender fees, appraisal costs, and title insurance add $2,000 to $5,000. Closing costs generally total 2% to 5% of the loan amount. 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 are the FHA loan limits for National City in 2025?

For 2025, the FHA loan limit for a single-family home in San Diego County, which includes National City, is $1,209,750. This limit applies to high-cost areas and is set by the U.S. Department of Housing and Urban Development.

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. With a score between 500 and 579, a 10% down payment is required. Individual lenders may have higher standards.

Are there California-specific FHA loan requirements?

California requires FHA loan specialists to complete state-specific education and pass a background check. Additionally, all FHA loans in California must comply with state disclosure laws, including the California Residential Mortgage Lending Act.

FHA Loan Specialists in Other California Cities

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About Our Listings

Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state 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 State Mortgage Licensing Authority of California.

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