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Looking for a fha loan specialist in Santa Clara? Review the directory below to compare your options.
9 agents listed
Updated May 2026
Santa Clara, 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 9 fha loan specialists in Santa Clara, 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.
Santa Clara, CA
3000 Scott Blvd #208, Santa Clara, CA 95054
4086603444
Veridian Mortgage
2975 Bowers Ave # 315, Santa Clara, CA 95051
4084579978
Yilin Yu
1226 Jackson St, Santa Clara, CA 95050
4082075635
Adrian Azali at Rate (NMLS #298767)
5201 Great America Pkwy Suite 320 Office 3302, Santa Clara, CA 95054
4152766882
Maria G Guardado - Mortgage Broker
2975 Bowers Ave # 315, Santa Clara, CA 95051
4084060285
Mobile Home Loans
5201 Great America Pkwy Suite 320, Santa Clara, CA 95054
7073464331
Katy Care - Mortgage Broker
2975 Bowers Ave # 315, Santa Clara, CA 95051
4083679700
ERATE
BLDG 16, 4701 Patrick Henry Dr #100, Santa Clara, CA 95054
4082617700
Chase Home Lending
2200 El Camino Real, Santa Clara, CA 95050
4086612067
An FHA loan specialist in Santa Clara California can guide you through the process of obtaining a mortgage insured by the Federal Housing Administration. These loans are popular for first time home buyers and those with lower credit scores. In California, FHA loan limits for Santa Clara County are higher than many other areas due to the high cost of housing, with 2024 limits reaching over one million dollars for a single family home.
What Does a FHA Loan Specialist in Santa Clara Cost?
Typical costs for an FHA loan specialist in California include an upfront mortgage insurance premium of 1.75 percent of the loan amount, which can be financed into the loan. Annual mortgage insurance premiums range from 0.45 to 1.05 percent of the loan balance. Lender origination fees vary but often fall between 0.5 and 1.5 percent of the loan amount. Closing costs in Santa Clara may total 2 to 5 percent of the purchase price. 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 Santa Clara?
An FHA loan specialist helps borrowers understand FHA loan requirements, pre qualify for a loan, and submit a complete application. They also explain California specific rules such as state disclosure requirements and the need for a home inspection.
What are the credit score requirements for an FHA loan in California?
The minimum credit score for an FHA loan is typically 580 with a 3.5 percent down payment. If your score is between 500 and 579, you may still qualify with a 10 percent down payment. California lenders may have their own overlays that require a higher score.
Are there income limits for FHA loans in Santa Clara County?
FHA loans do not have specific income limits, but you must show stable employment and sufficient income to make monthly payments. In high cost areas like Santa Clara County, the FHA loan limit for 2024 is $1,149,825 for a single family home. Your debt to income ratio should generally be below 43 percent.
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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.