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 13 fha loan specialists in Santa Cruz, 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.
Revest Loans - Team Jim Black
1015 Cedar St Suite D, Santa Cruz, CA 95060
9252854898
Valamonte Mortgage Group
655 Capitola Rd STE 202, Santa Cruz, CA 95062
8312549787
Ryan Buckholdt at CrossCountry Mortgage
133 Mission St Suite 210, Santa Cruz, CA 95060
8314258326
Dan Casagrande
1414 Soquel Ave Suite 207, Santa Cruz, CA 95062
8314232900
The Junod Team- CrossCountry Mortgage
133 Mission St Suite 210, Santa Cruz, CA 95060
8316004709
Brian Dean at CrossCountry Mortgage
133 Mission St Suite 210, Santa Cruz, CA 95060
8316004706
Noel McCord at CrossCountry Mortgage
133 Mission St Suite 210, Santa Cruz, CA 95060
8316001584
Christine Meserve at CrossCountry Mortgage
133 Mission St Suite 210, Santa Cruz, CA 95060
8316001591
Heather Wilbur at CrossCountry Mortgage
133 Mission St Suite 210, Santa Cruz, CA 95060
8316001587
Affordable Home Finance, Mortgage Broker
120 Bulkhead St, Santa Cruz, CA 95060
8773204762
Joe Hutson at Rate (NMLS #447536)
519 Seabright Ave UNIT 103, Santa Cruz, CA 95062
8312051582
Loans With Mitch
710 River St #2, Santa Cruz, CA 95060
8314310726
CrossCountry Mortgage, LLC
133 Mission St Suite 210, Santa Cruz, CA 95060
8318182339
What Does a FHA Loan Specialist in Santa Cruz Cost?
Typical costs for an FHA loan in Santa Cruz include an upfront mortgage insurance premium of 1.75 percent of the loan amount and an annual mortgage insurance premium of 0.55 to 0.85 percent depending on loan term and down payment. Lender origination fees range from 0.5 to 1.5 percent of the loan amount. Appraisal fees in Santa Cruz average 500 to 700 dollars. 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 are the FHA loan limits for Santa Cruz County in 2025?
For 2025 the FHA loan limit for a single-family home in Santa Cruz County is 1,209,750 dollars. This high limit reflects the areas elevated home prices and applies to most standard FHA purchase loans.
What credit score is needed for an FHA loan in California?
Most FHA lenders in California require a minimum credit score of 580 for a 3.5 percent down payment. Borrowers with scores between 500 and 579 may still qualify but must put down at least 10 percent.
Are there California-specific rules for FHA loans?
California law requires FHA lenders to provide a Good Faith Estimate and a Loan Estimate within three business days of application. The state also mandates that all FHA loans include a prepayment penalty disclosure if applicable.