Find FHA Loan Specialists in San Diego, CA
Looking for a fha loan specialist in San Diego? Review the directory below to compare your options.
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State Mortgage Licensing Authority of California before hiring.
Showing 20 fha loan specialists in San Diego, CA
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An FHA loan specialist in San Diego can guide you through the process of obtaining a mortgage insured by the Federal Housing Administration. This is a popular option for first time home buyers and those with lower credit scores. In California, FHA loans require a minimum down payment of 3.5 percent and must meet specific property condition standards set by HUD.
What Does a FHA Loan Specialist in San Diego Cost?
Typical costs for an FHA loan in California include an upfront mortgage insurance premium (UFMIP) of 1.75 percent of the loan amount and an annual mortgage insurance premium (MIP) ranging from 0.45 to 1.05 percent depending on loan term and down payment. Closing costs in San Diego generally range from 2 to 5 percent of the purchase price. Other fees may include appraisal costs around 500 to 700 dollars and lender origination fees. 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 credit score requirements for an FHA loan in San Diego?
For an FHA loan in San Diego you typically need a credit score of at least 580 to qualify for the 3.5 percent down payment option. If your score is between 500 and 579 you may still qualify but you will need a 10 percent down payment. Lenders may have their own overlays so requirements can vary.
What is the FHA loan limit for San Diego County in 2025?
For 2025 the FHA loan limit for a single family home in San Diego County is 1,209,750 for high cost areas. This limit is higher than the standard FHA limit because San Diego is designated as a high cost area. Limits are updated annually by HUD.
Can I use an FHA loan to buy a condo in San Diego?
Yes you can use an FHA loan to buy a condo in San Diego but the condo complex must be on the FHA approved condominium list. Many older complexes in San Diego are not approved so you should check the HUD database before making an offer. The approval process can take time and may affect your closing timeline.