Find FHA Loan Specialists Near You in Petaluma, CA
Compare fha loan specialists in Petaluma. Review contact information and insurance categorys before you decide.
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State Mortgage Licensing Authority of California before hiring.
Showing 19 fha loan specialists in Petaluma, CA
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FHA loan specialists in Petaluma California help homebuyers secure government-backed mortgages with lower down payments and flexible credit requirements. California law requires FHA loans to meet specific property standards and borrower eligibility rules set by the Department of Housing and Urban Development. Working with a local specialist can simplify the process for Petaluma residents seeking a home in Sonoma County.
What Does a FHA Loan Specialist in Petaluma 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 premium of 0.55 to 0.85 percent. Closing costs usually range from 3,000 to 6,000 dollars but vary by lender and property. 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 Petaluma California in 2025?
For Sonoma County the FHA loan limit for a single-family home is 1,209,750 dollars in 2025. This limit applies to Petaluma and is set by HUD based on median home prices in the area.
What credit score do I need for an FHA loan in Petaluma?
The minimum credit score for an FHA loan is 580 with a 3.5 percent down payment. If your score is between 500 and 579 you may still qualify with a 10 percent down payment. California lenders may have their own overlays so check with a specialist.
How long does FHA loan approval take in California?
FHA loan approval typically takes 30 to 45 days from application to closing in California. Delays can occur if the property needs repairs or if additional documentation is required. A local specialist can help you prepare documents to speed up the process.