Find FHA Loan Specialists Near You in Sacramento, CA
Compare fha loan specialists in Sacramento. Review contact information and insurance categorys before you decide.
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State Mortgage Licensing Authority of California before hiring.
Showing 20 fha loan specialists in Sacramento, CA
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An FHA loan specialist in Sacramento California can help you navigate the Federal Housing Administration loan process. These loans are popular for first time buyers and those with lower credit scores. California law requires lenders to provide specific disclosures about loan terms and costs under the California Financing Law.
What Does a FHA Loan Specialist in Sacramento Cost?
Typical costs for an FHA loan specialist in California include an upfront mortgage insurance premium of 1.75 percent of the loan amount and an annual premium of 0.55 percent to 0.85 percent. Lender fees and closing costs in Sacramento usually range from 2 to 5 percent of the loan value. 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 does an FHA loan specialist do in Sacramento?
An FHA loan specialist guides you through the FHA loan application and approval process. They help you gather documents, check your credit, and find a lender that offers FHA loans in Sacramento. They also explain California specific requirements like property condition standards.
What are the credit score requirements for an FHA loan in California?
FHA loans typically require a minimum credit score of 580 for a 3.5 percent down payment. If your score is between 500 and 579 you may still qualify but need a 10 percent down payment. These rules apply statewide including Sacramento.
Are there California specific limits for FHA loans in Sacramento?
Yes FHA loan limits vary by county. For Sacramento County in 2024 the limit for a single family home is typically around $1,089,300. This amount can change annually based on the local median home price.