FHA Loan Specialists in Paradise, CA
Directory of fha loan specialists in Paradise, 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 2 fha loan specialists in Paradise, 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 Paradise Cost?
Typical costs for an FHA loan specialist in California include an origination fee of 1 percent of the loan amount and an upfront mortgage insurance premium of 1.75 percent. Annual mortgage insurance premiums range from 0.45 to 1.05 percent of the loan balance. Total closing costs in Paradise usually fall between $5,000 and $10,000 but can vary based on property value and lender fees. 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 minimum credit score requirements for an FHA loan in Paradise California?
The minimum credit score for an FHA loan is typically 580 with a 3.5 percent down payment. Borrowers with scores between 500 and 579 may qualify with a 10 percent down payment. California lenders may have overlays requiring higher scores.
How do California FHA loan limits apply in Paradise?
FHA loan limits for Butte County in 2025 are set by the Department of Housing and Urban Development. For a single-family home the limit is usually around $498,257. These limits adjust annually based on median home prices in the area.
Can I use an FHA loan to rebuild a home in Paradise after the Camp Fire?
Yes the FHA 203(k) program allows you to finance both the purchase and renovation of a home. This includes rebuilding on an existing lot. California has specific contractor licensing requirements for such projects.