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Directory of fha loan specialists in San Leandro, California. Verify credentials with the state state mortgage licensing authority before hiring.
9 agents listed
Updated June 2026
San Leandro, 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 State Mortgage Licensing Authority of California before hiring.
Showing 9 fha loan specialists in San Leandro, 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.
An FHA loan specialist in San Leandro, California can help you navigate the process of obtaining a mortgage insured by the Federal Housing Administration. California law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System. San Leandro home buyers often use FHA loans for their lower down payment requirements and flexible credit guidelines.
What Does a FHA Loan Specialist in San Leandro Cost?
Typical costs for an FHA loan specialist in California include an upfront mortgage insurance premium of 1.75 percent of the loan amount, plus an annual mortgage insurance premium that ranges from 0.45 to 1.05 percent of the loan balance. Lender origination fees generally range from 0.5 to 1.0 percent of the loan amount. Appraisal and credit report fees add another $500 to $1,000. Costs vary by case. 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 San Leandro in 2025?
For 2025, the FHA loan limit for a single-family home in Alameda County, which includes San Leandro, is $1,149,825 for high-cost areas. This limit is set by the Department of Housing and Urban Development and is adjusted annually based on local median home prices.
Do I need a California-specific license to be an FHA loan specialist?
Yes, in California all mortgage loan originators must hold a valid license through the Nationwide Multistate Licensing System. They must also complete continuing education courses approved by the California Department of Financial Protection and Innovation.
What is the minimum down payment for an FHA loan in California?
The minimum down payment for an FHA loan is 3.5 percent of the purchase price if your credit score is 580 or higher. If your credit score is between 500 and 579, you may still qualify but will need a 10 percent down payment.
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About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state 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 State Mortgage Licensing Authority of California.