ADVERTISING DISCLOSURE: BeforeMortgageUSA.com is an informational directory, not an mortgage company or broker. We do not sell insurance or provide mortgage or financial advice. No broker-client relationship is created by using this site. No broker listed on this site has paid for, authorized, or approved their listing. This is an advertisement.
Looking for a fha loan specialist in Santa Monica? Review the directory below to compare your options.
8 agents listed
Updated May 2026
Santa Monica, 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 8 fha loan specialists in Santa Monica, 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.
The Brothers M - Cornerstone Home Lending NMLS #1145071
139 Ocean Ave Ext #1, Santa Monica, CA 90402
3104050301
Commonwealth Bancorp
2812 Santa Monica Blvd #202, Santa Monica, CA 90404
4243965434
Westside Mortgage Group
100 Wilshire Blvd Suite 700, Santa Monica, CA 90401
3109171028
Top California Lender
401 Wilshire Blvd, Santa Monica, CA 90401
4242097104
apt mortgage inc dba z home loans
1223 Wilshire Blvd, Santa Monica, CA 90403
3104632000
Jay Goldberg-U.S. Bank Mortgage
1401 Wilshire Blvd, Santa Monica, CA 90403
3102057560
Stacy Fletcher | Residential Loan Specialist
2450 Broadway #450, Santa Monica, CA 90404
3106788325
Mitra Zadeh - Chase Home Lending Advisor - NMLS ID 310233
2701 Wilshire Blvd, Santa Monica, CA 90403
3104996401
An FHA loan specialist in Santa Monica, California helps buyers navigate government-backed mortgages with lower down payments and flexible credit requirements. California law requires all mortgage loan originators to be licensed under the California Department of Financial Protection and Innovation. Santa Monica home buyers often use FHA loans for condos or single-family homes within the citys high property value market.
What Does a FHA Loan Specialist in Santa Monica Cost?
Typical costs for an FHA loan specialist in Santa Monica include an origination fee of up to 1 percent of the loan amount, plus third-party fees for appraisal, credit report, and title services. Appraisal fees in Santa Monica range from $500 to $800. Closing costs generally total 3 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 are the FHA loan limits for Santa Monica in 2025?
For 2025, the FHA loan limit for a single-family home in Los Angeles County, which includes Santa Monica, is $1,209,750 for high-cost areas. This limit is set by the U.S. Department of Housing and Urban Development and adjusts annually based on local median home prices.
What is the minimum down payment for an FHA loan in California?
The minimum down payment for an FHA loan is 3.5 percent of the purchase price for borrowers with a credit score of 580 or higher. Borrowers with scores between 500 and 579 may qualify with a 10 percent down payment. California lenders may have additional overlays.
Free • No Obligation
Compare FHA Loan Specialists
Get matched with agents in Santa Monica who handle your type of case.
Affiliate Form Embed
Replace with iframe/embed code from your affiliate network
Affiliate Disclosure
The form above is provided by a third-party legal marketing service. BeforeMortgageUSA.com receives compensation when you submit a qualified inquiry. This is a free service with no obligation to hire any broker. Your information is collected and handled by the form provider according to their privacy policy.
Legal Notice
BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
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.