Find FHA Loan Specialists in San Bruno, CA
Browse fha loan specialists serving San Bruno, California. Contact information and addresses listed below.
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 5 fha loan specialists in San Bruno, CA
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An FHA loan specialist in San Bruno can guide you through the process of obtaining a government-backed mortgage. California law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System. Local specialists understand the San Mateo County real estate market and can help you meet FHA guidelines for properties in the Bay Area.
What Does a FHA Loan Specialist in San Bruno Cost?
Typical costs for an FHA loan specialist in California include an origination fee of 1 to 1.5 percent of the loan amount. The upfront mortgage insurance premium is 1.75 percent of the base loan amount, and annual mortgage insurance premiums range from 0.45 to 1.05 percent depending on loan term and loan-to-value ratio. Appraisal fees in San Bruno generally cost 500 to 700 dollars. Other closing costs may include title insurance, escrow fees, and recording fees. 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 does an FHA loan specialist in San Bruno do?
An FHA loan specialist helps borrowers understand and apply for FHA-insured mortgages. They review your credit history, income, and debt ratios to determine eligibility. They also guide you through FHA property requirements and California-specific disclosure forms.
What are the FHA loan limits for San Bruno California?
FHA loan limits for San Bruno in 2025 are set by the Department of Housing and Urban Development. For San Mateo County, the standard limit for a single-family home is typically above the national floor due to high local property values. A specialist can confirm the exact current limit for your situation.
How do I qualify for an FHA loan in California?
You need a minimum credit score of 580 for a 3.5 percent down payment. A score between 500 and 579 may require a 10 percent down payment. You must also show steady employment and a debt-to-income ratio below 43 percent. California law requires lenders to provide a Loan Estimate within three business days of application.