Find FHA Loan Specialists Near You in San Mateo, CA
Compare fha loan specialists in San Mateo. Review contact information and insurance categorys before you decide.
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State Mortgage Licensing Authority of California before hiring.
Showing 13 fha loan specialists in San Mateo, CA
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An FHA loan specialist in San Mateo can guide you through the process of obtaining a government-backed mortgage. These loans are insured by the Federal Housing Administration and have specific requirements under California law. Local specialists understand San Mateo County property values and California disclosure rules.
What Does a FHA Loan Specialist in San Mateo 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 to 0.85 percent. Closing costs usually range from 3000 to 8000 dollars but 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 Mateo?
An FHA loan specialist helps you apply for a mortgage insured by the Federal Housing Administration. They review your credit score and income to see if you qualify. They also explain California specific rules like the Homeowner Bill of Rights.
What are the FHA loan limits for San Mateo County in 2025?
For 2025 the FHA loan limit for a single family home in San Mateo County is 1,209,750 dollars. This high limit reflects the area high median home prices. Limits are set annually by the Department of Housing and Urban Development.
How long does an FHA loan approval take in California?
FHA loan approval typically takes 30 to 45 days from application to closing. Delays can occur if the property needs repairs required by the FHA appraisal. California law requires a three day rescission period after signing loan documents.