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Looking for a fha loan specialist in Scotts Valley? Review the directory below to compare your options.
3 agents listed
Updated May 2026
Scotts Valley, 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 3 fha loan specialists in Scotts Valley, 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.
Bay Equity Home Loans
Scotts Valley Dr, Scotts Valley, CA 95066
8314610100
Char Johanson at Franklin Loan Center
5435 Scotts Valley Dr Ste K, Scotts Valley, CA 95066
8313310082
Mortgage 831
5521 Scotts Valley Dr #110, Scotts Valley, CA 95066
8315887201
FHA loan specialists in Scotts Valley California help borrowers secure government-backed mortgages with lower down payments. These loans are popular in the Santa Cruz County area due to California high home prices and strict credit requirements. Specialists guide clients through FHA guidelines including California specific property appraisal rules.
What Does a FHA Loan Specialist in Scotts Valley Cost?
Typical costs for an FHA loan specialist in California include an origination fee of 0.5 to 1.5 percent of the loan amount. Third-party costs like appraisal and credit report fees range from 500 to 1,000 dollars. The total closing costs for an FHA loan in Scotts Valley usually fall between 3,000 and 8,000 dollars depending on the property and lender. 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 Scotts Valley California?
For 2024 the FHA loan limit for a single-family home in Santa Cruz County including Scotts Valley is 1,149,825 dollars. This limit applies to high-cost areas in California and is adjusted annually by HUD.
What credit score do I need for an FHA loan in California?
FHA loans 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. California lenders may have additional overlays.
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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.