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Looking for a fha loan specialist in Oakdale? Review the directory below to compare your options.
9 agents listed
Updated May 2026
Oakdale, 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 9 fha loan specialists in Oakdale, 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.
An FHA loan specialist in Oakdale California helps homebuyers navigate Federal Housing Administration loans which are popular for first-time buyers and those with lower credit scores. California law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System. Oakdale residents benefit from local specialists who understand the Central Valley housing market and its price ranges.
What Does a FHA Loan Specialist in Oakdale Cost?
Typical costs for an FHA loan in California include an upfront mortgage insurance premium of 1.75 percent of the loan amount and an annual mortgage insurance premium of 0.55 percent to 0.85 percent depending on loan term and down payment. Closing costs in Oakdale range from 2 to 5 percent of the purchase price covering appraisal title insurance and lender fees. Lender origination fees vary by company and loan size. 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 Oakdale California in 2025?
For 2025 the FHA loan limit for a single-family home in Stanislaus County which includes Oakdale is $498,257. This limit applies to most areas and is set by the Department of Housing and Urban Development based on local median home prices.
What credit score is needed for an FHA loan in Oakdale?
FHA loans typically require a minimum credit score of 580 for a 3.5 percent down payment. Borrowers with scores between 500 and 579 may still qualify but must put down 10 percent. Individual lenders may set higher requirements.
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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.