FHA Loan Specialists in Santa Rosa, CA
Looking for a fha loan specialist in Santa Rosa? 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 Santa Rosa, 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.
What Does a FHA Loan Specialist in Santa Rosa Cost?
FHA loan specialists in California typically charge origination fees between 0.5% and 1.0% of the loan amount. Third-party costs like appraisal (around $500 to $700) and credit report fees (about $30 to $50) also apply. The total closing costs for an FHA loan in Santa Rosa generally range from 2% to 5% of the purchase price. 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 Santa Rosa in 2025?
For 2025, the FHA loan limit for a single-family home in Sonoma County is $1,209,750. This high limit reflects the area median home price. Borrowers should confirm current limits with a specialist as they can change annually.
Do I need mortgage insurance for an FHA loan in California?
Yes, all FHA loans require mortgage insurance. You pay an upfront premium of 1.75% of the loan amount and an annual premium that ranges from 0.45% to 1.05% depending on the loan term and down payment. This insurance protects the lender, not the borrower.
Can I use an FHA loan for a fixer-upper in Santa Rosa?
Yes, the FHA 203(k) loan allows you to finance both the purchase and renovation of a home. In Santa Rosa, this can be useful for older properties needing repairs. The loan requires a HUD-approved consultant and specific contractor bids.