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Showing 4 fha loan specialists in Pismo Beach, 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.
loanDepot
320 James Way #280, Pismo Beach, CA 93449
8053947160
CORE Home Loans
310 James Way 210 2nd Floor, Pismo Beach, CA 93449
5598082673
Mason-McDuffie Mortgage Corporation
501 Shell Beach Rd ste d, Pismo Beach, CA 93449
8058789277
Mike Mizrahi
350 James Way #130, Pismo Beach, CA 93449
8057482112
What Does a FHA Loan Specialist in Pismo Beach Cost?
Typical costs for an FHA loan specialist in California include an origination fee of 0.5 to 1.0 percent of the loan amount, plus third party fees for appraisal credit report and title services which total between $2,000 and $5,000. The upfront mortgage insurance premium is 1.75 percent of the loan amount. Costs vary by lender and loan size. 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 FHA loan limits for Pismo Beach California?
For 2025 the FHA loan limit for San Luis Obispo County which includes Pismo Beach is $1,209,750 for a single family home. This limit is higher than the standard floor limit due to the area being a high cost county.
What California specific rules apply to FHA loans?
California requires FHA lenders to provide a Loan Estimate within three business days of application and a Closing Disclosure at least three business days before closing. California also has anti predatory lending laws that apply to all residential mortgage loans including FHA loans.
Do I need mortgage insurance for an FHA loan in California?
Yes FHA loans require an upfront mortgage insurance premium of 1.75 percent of the loan amount and an annual premium that varies from 0.45 to 1.05 percent depending on loan term and down payment. This insurance is required for the life of the loan if your down payment is less than 10 percent.