Find FHA Loan Specialists Near You in San Rafael, CA
Looking for a fha loan specialist in San Rafael? Review the directory below to compare your options.
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 20 fha loan specialists in San Rafael, CA
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An FHA loan specialist in San Rafael California helps home buyers and homeowners navigate Federal Housing Administration insured loans. These loans often require a lower down payment and have flexible credit guidelines. California law mandates specific disclosures and waiting periods for FHA loans including a three day right of rescission on refinances.
What Does a FHA Loan Specialist in San Rafael Cost?
Typical costs for an FHA loan specialist in California include an origination fee of up to 1 percent of the loan amount plus third party fees for appraisal credit report and title insurance. For a $600,000 loan these costs total approximately $8,000 to $12,000. The upfront MIP of 1.75 percent adds about $10,500. 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 Rafael California?
For 2025 the FHA loan limit for a single family home in Marin County including San Rafael is $1,209,750. This high limit reflects the areas elevated home prices. Limits are updated annually by the Department of Housing and Urban Development.
Do I need mortgage insurance for an FHA loan in California?
Yes FHA loans require an upfront mortgage insurance premium of 1.75 percent of the loan amount plus an annual MIP. The annual MIP rate varies from 0.15 percent to 0.75 percent depending on loan term and down payment. California law does not waive this requirement.
What credit score is needed for an FHA loan in San Rafael?
The minimum FHA credit score is 500 with a 10 percent down payment or 580 with a 3.5 percent down payment. Many California lenders set their own overlays requiring a score of 620 or higher. Check with multiple lenders for their specific requirements.