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Looking for a fha loan specialist in Patterson? Review the directory below to compare your options.
3 agents listed
Updated May 2026
Patterson, 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 3 fha loan specialists in Patterson, 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.
Generations Home Loans- Brenda Araisa
4 N Salado Ave, Patterson, CA 95363
2096485534
Patterson Financial
1701 E Marshall Rd, Patterson, CA 95363
2098928161
Yosemite Farm Credit - Patterson Office
345 W Las Palmas Ave, Patterson, CA 95363
2098926136
FHA loan specialists in Patterson, California help buyers secure government-backed mortgages with lower down payments. California law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System. Specialists guide clients through FHA guidelines specific to California property values and county loan limits.
What Does a FHA Loan Specialist in Patterson Cost?
Typical costs for FHA loan services in California include an upfront mortgage insurance premium of 1.75 percent of the loan amount and annual mortgage insurance premiums of 0.45 to 1.05 percent. Lender origination fees range from 0.5 to 1.5 percent of the loan amount. Appraisal fees in the Patterson area average $500 to $700. 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 Patterson California?
FHA loan limits in Stanislaus County for 2025 are set by HUD and typically range from $498,257 for a single-family home to higher amounts for multi-unit properties. These limits change annually based on local median home prices.
Do I need a special license to be an FHA loan specialist in California?
Yes, California requires all mortgage loan originators to hold a valid license through the California Department of Financial Protection and Innovation. Specialists must also complete annual continuing education on federal and state lending laws.
What credit score is needed for an FHA loan in Patterson?
FHA loans generally require a minimum credit score of 580 for a 3.5 percent down payment. Borrowers with scores between 500 and 579 may qualify with a 10 percent down payment. California lenders may impose their own overlays above these minimums.
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BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
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.