Find FHA Loan Specialists in Orange, CA
Directory of fha loan specialists in Orange, California. Verify credentials with the state state mortgage licensing authority before hiring.
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 Orange, 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 Orange Cost?
Typical costs for an FHA loan in California include an upfront mortgage insurance premium (UFMIP) of 1.75 percent of the loan amount, which can be financed into the loan. Annual mortgage insurance premiums (MIP) range from 0.45 to 1.05 percent of the loan balance, depending on the loan term and loan-to-value ratio. Closing costs in Orange County generally range from 2 to 5 percent of the purchase price, including appraisal fees (around $500 to $700), title insurance, and escrow fees. 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 credit score do I need for an FHA loan in Orange?
The minimum credit score for an FHA loan is typically 580 for a 3.5 percent down payment. Borrowers with scores between 500 and 579 may qualify with a 10 percent down payment. Lenders in Orange may have their own overlays, so check with your specialist.
Are there income limits for FHA loans in Orange County?
Yes, FHA loans have income limits that vary by county. For Orange County in 2025, the standard limit for a one-unit property is approximately $115,000 for low-income borrowers, but limits adjust annually. Your specialist can confirm the current figures based on household size.
How long does the FHA loan process take in California?
The typical FHA loan process in California takes 30 to 45 days from application to closing. California law requires a three-day right of rescission after signing loan documents, which can extend the timeline. Delays may occur if additional property inspections are needed.