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Looking for a fha loan specialist in San Francisco? Review the directory below to compare your options.
20 agents listed
Updated May 2026
San Francisco, CA
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 California before hiring.
Showing 20 fha loan specialists in San Francisco, 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.
SunnyHill Financial
600 California St Suite 12-032, San Francisco, CA 94108
5102889800
Fif Ghobadian at OriginPoint (NMLS #110501)
345 California St Suites 600, San Francisco, CA 94104
4152039468
Mike Koran - Primary Residential Mortgage Inc
1746 18th St, San Francisco, CA 94107
4152525070
Primary Residential Mortgage, Inc.
1746 18th St, San Francisco, CA 94103
4152525070
James W. Argo - Mortgage Banker - Residential & Multi Family Lending
232 Townsend St, San Francisco, CA 94107
4152921993
Julie Malta- Guarantee Mortgage NMLS #254124
232 Townsend St, San Francisco, CA 94107
4152036800
Steven Hook, San Francisco Mortgage Advisor
Ferry Building, 1st St Suite 270, San Francisco, CA 94111
4152609376
Shawn Maxwell - Homepoint Lending Inc
945 Market St Suite 501, San Francisco, CA 94103
6507594094
Home Loans by Orlando
232 Townsend St, San Francisco, CA 94107
4156991474
Guarantee Mortgage
505 Montgomery St #1275, San Francisco, CA 94111
4154415050
CJ Kerls at Rate (NMLS #243438)
41 Freelon St, San Francisco, CA 94107
4155866003
Dianne Crosby at Rate (NMLS #304682)
41 Freelon St, San Francisco, CA 94107
5102694184
Stephen Barber at Rate (NMLS #57715)
41 Freelon St, San Francisco, CA 94107
4156945550
WeFund Mortgage Corporation
1229 Chestnut St, San Francisco, CA 94109
8888406510
Change Home Mortgage
1295 Indiana St, San Francisco, CA 94107
4153683540
Mark Johnson at Rate (NMLS #451091)
41 Freelon St, San Francisco, CA 94107
8054486094
Rate
41 Freelon St, San Francisco, CA 94107
4156945500
Jeff Parrott at Rate (NMLS #318227)
41 Freelon St, San Francisco, CA 94107
4156945518
First Capital Group
3230 Scott St, San Francisco, CA 94123
4154405626
Rachel Bernstein at Rate (NMLS #306889)
41 Freelon St, San Francisco, CA 94107
4153380239
An FHA loan specialist in San Francisco helps borrowers navigate FHA insured mortgages, which are popular for first time home buyers and those with lower credit scores. In California, FHA loan limits for 2025 in San Francisco County are set at $1,209,750 for a single family home, reflecting the high cost of local real estate. These specialists guide clients through California specific requirements like state mandated disclosures and escrow procedures.
What Does a FHA Loan Specialist in San Francisco Cost?
Typical costs for an FHA loan specialist in San Francisco include an origination fee of 1 percent of the loan amount, plus third party fees for appraisal (around $500 to $700) and credit report (about $30 to $50). The upfront mortgage insurance premium (UFMIP) is 1.75 percent of the loan amount, and annual MIP ranges from 0.45 to 1.05 percent depending on loan terms. These costs 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 does an FHA loan specialist do in San Francisco?
An FHA loan specialist helps you understand FHA loan requirements, pre approve your application, and guide you through the underwriting process. They ensure your loan meets HUD and California state regulations, including proper documentation of income and assets.
What are the FHA loan limits for San Francisco in 2025?
For 2025, the FHA loan limit for a single family home in San Francisco County is $1,209,750. This high limit reflects the areas elevated home prices and allows borrowers to use FHA financing for most standard homes in the city.
Do I need a down payment for an FHA loan in California?
FHA loans require a minimum down payment of 3.5 percent if your credit score is 580 or higher. For scores between 500 and 579, a 10 percent down payment is needed. California law does not change these federal FHA requirements.
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About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the California.