Find FHA Loan Specialists Near You in Palm Desert, CA
Looking for a fha loan specialist in Palm Desert? Review the directory below to compare your options.
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 19 fha loan specialists in Palm Desert, 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 Palm Desert Cost?
Typical costs for an FHA loan specialist in California include an origination fee of 1 percent of the loan amount, plus an upfront mortgage insurance premium of 1.75 percent of the loan. Annual mortgage insurance premiums range from 0.45 to 1.05 percent of the loan balance. In Palm Desert, appraisal fees usually cost between $500 and $700. These costs vary by lender and borrower credit profile. 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 minimum FHA loan requirements in Palm Desert California?
FHA loans require a minimum down payment of 3.5 percent for borrowers with a credit score of 580 or higher. California law also mandates that the property must meet FHA safety and livability standards, which a local appraiser in Palm Desert will verify.
How do I find a licensed FHA loan specialist in Palm Desert?
You can search the Nationwide Multistate Licensing System database for licensed mortgage loan originators in California. Look for specialists who have experience with FHA loans in Palm Desert and understand local market conditions.
What is the FHA loan limit for Palm Desert California in 2025?
For 2025, the FHA loan limit for Riverside County, which includes Palm Desert, is approximately $530,000 for a single-family home. Higher limits may apply for duplexes or triplexes. These limits are set by the Federal Housing Administration and updated annually.