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Find FHA Loan Specialists Near You in Santa Maria, CA
Compare fha loan specialists in Santa Maria. Review contact information and insurance categorys before you decide.
19 agents listed
Updated May 2026
Santa Maria, 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 19 fha loan specialists in Santa Maria, 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.
Mickey Hellman at Certainty Home Lending (NMLS #244724)
3529 Mercury Dr Office #1, Santa Maria, CA 93455
8058783541
Guild Mortgage - Cyndi Nunez
3535 Mercury Dr, Santa Maria, CA 93455
8057050579
Envoy Mortgage - Santa Maria, CA
1110 E Clark Ave Suite U-250 and U260, Santa Maria, CA 93455
8057424881
Gene Perez, Real Estate & Mortgage Loans, home loans
1112 S Broadway, Santa Maria, CA 93454
8054487101
Geneva Financial, LLC: Charles Motley
2125 S Broadway #111, Santa Maria, CA 93454
8054788508
Guild Mortgage - Lu Beltran
3535 Mercury Dr, Santa Maria, CA 93455
5592609057
Novel Home Loans
722 E Main St Suite 105, Santa Maria, CA 93454
8056147000
Emma Cavazos at Pacific Coast Mortgage Group (NMLS #922617)
530 E Main St, Santa Maria, CA 93454
8057144794
Guild Mortgage - Marie Withers
3535 Mercury Dr, Santa Maria, CA 93455
8053610355
Wesly Aguirre Jr
2236 S Broadway suite b, Santa Maria, CA 93454
8053610355
Justine Tell at Edge Home Finance Inc
900 E Main St Ste. 102, Santa Maria, CA 93454
8057144681
Pauline Imano at CrossCountry Mortgage
411 Betteravia Rd # 202, Santa Maria, CA 93454
8053324811
Greater Mortgage Solutions
1112 S Broadway, Santa Maria, CA 93454
8053521100
Guild Mortgage - Braulio Navarro
3535 Mercury Dr, Santa Maria, CA 93455
8053610355
Guild Mortgage Company
3535 Mercury Dr, Santa Maria, CA 93455
8053610355
CrossCountry Mortgage, LLC
411 Betteravia Rd # 202, Santa Maria, CA 93454
8055989110
American Mortgage Lenders Inc.
2011 S Broadway Ste B, Santa Maria, CA 93454
8053490335
Leanne Young at CrossCountry Mortgage
411 Betteravia Rd # 202, Santa Maria, CA 93454
8053104723
Hii Mortgage Loans Santa Maria Ca
1430 S. Eagle Ct Suite C, Santa Maria, CA 93454
8056230259
An FHA loan specialist in Santa Maria California can help you navigate the Federal Housing Administration loan process. These loans are popular in the Central Coast region due to lower down payment requirements and flexible credit guidelines. California law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System (NMLS).
What Does a FHA Loan Specialist in Santa Maria Cost?
Typical costs for an FHA loan specialist in California include an origination fee of 1 percent of the loan amount and an upfront mortgage insurance premium of 1.75 percent of the base loan amount. Annual mortgage insurance premiums range from 0.55 to 0.85 percent of the loan balance. Appraisal fees in Santa Maria usually run between $500 and $700. 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 Maria California?
For 2025 the FHA loan limit for a single-family home in Santa Barbara County which includes Santa Maria is $1,149,825. This high limit reflects the area's elevated home prices. Limits are updated annually by the Department of Housing and Urban Development.
What credit score do I need 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 qualify with a 10 percent down payment. Each lender may set higher requirements.
How does California law affect FHA loan closing costs?
California law limits certain fees such as document preparation and notary charges. FHA loans allow sellers to contribute up to 6 percent of the purchase price toward the buyer's closing costs. All costs must be disclosed on the Loan Estimate form within three business days of application.
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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.