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Directory of fha loan specialists in Santa Rosa, California. Verify credentials with the state mortgage licensing authority before hiring.
20 agents listed
Updated May 2026
Santa Rosa, 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 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.
Fox & Company, Inc.
2001 4th St, Santa Rosa, CA 95404
7073451000
Glenn Groves - GTG Financial, Inc.
1421 Guerneville Rd # 100, Santa Rosa, CA 95403
7075460440
Ryan Boyko
3550 Round Barn Blvd suite 210, Santa Rosa, CA 95403
7076230377
Scott Sheldon - SecurityNational Mortgage Company Loan Officer
2455 Bennett Valley Rd Bldg C, Ste C107, Santa Rosa, CA 95404
7072174000
Guild Mortgage - Kelly Cort
3558 Round Barn Blvd Suite 200, Office 211 & 212, Santa Rosa, CA 95403
7076944631
Guild Mortgage - Nancy Weaver
3558 Round Barn Blvd Suite 200, Office 211 & 212, Santa Rosa, CA 95403
7074801700
Kind Lending, LLC
1260 N Dutton Ave # 285, Santa Rosa, CA 95401
7072175214
Mario's Home Loans
401 Mendocino Ave Suite F, Santa Rosa, CA 95401
7078430869
America's Home Loans - Santa Rosa CA
131A Stony Cir Suite 500, Santa Rosa, CA 95401
7075795411
New American Funding - Erik Oquist NMLS 447900
3550 Round Barn Blvd # 310, Santa Rosa, CA 95403
7078895626
Empower Capital Group
708 College Ave, Santa Rosa, CA 95404
7075221887
Pacific Direct Mortgage & Real Estate, Inc.
1400 N Dutton Ave Suite 22, Santa Rosa, CA 95401
7077080797
Arlene Kraushaar
110 Stony Point Rd, Santa Rosa, CA 95401
7073379311
Sonoma County Mortgages
2455 Bennett Valley Rd C107, Santa Rosa, CA 95404
7072174000
Guild Mortgage - Marco Guerra
3558 Round Barn Blvd Suite 200, Office 211 & 212, Santa Rosa, CA 95403
5108723333
Guild Mortgage - Cathy Fuentes
3558 Round Barn Blvd Suite 200, Office 211 & 212, Santa Rosa, CA 95403
2096133795
Matt Scott Home Loans NMLS#1457513
714 Mendocino Ave, Santa Rosa, CA 95401
8087284202
California Home Loans - Santa Rosa, CA
501 Stony Cir #131-A, Santa Rosa, CA 95401
7075361095
CrossCountry Mortgage, LLC
815 5th St Ste 100, Santa Rosa, CA 95404
7072367528
Ryan Mortgage Company
2129 4th St, Santa Rosa, CA 95404
7075262626
An FHA loan specialist in Santa Rosa, California helps home buyers and homeowners navigate Federal Housing Administration insured loans. These loans are popular in Sonoma County due to lower down payment requirements and flexible credit guidelines. California state law mandates specific disclosures for FHA loans, including a Homeownership Counseling Notice.
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.
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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.