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Showing 4 fha loan specialists in Sonoma, 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.
Jennifer Brown at CrossCountry Mortgage
760 W Napa St, Sonoma, CA 95476
4153367782
Gary Umholtz at Rate (NMLS #302500)
190 W Napa St Suite #101, Sonoma, CA 95476
7074921126
Rate
190 W Napa St Suite #101, Sonoma, CA 95476
7074921126
CrossCountry Mortgage, LLC
760 W Napa St, Sonoma, CA 95476
7079331667
What Does a FHA Loan Specialist in Sonoma Cost?
Typical costs for an FHA loan specialist in California include an origination fee of 1 to 1.5 percent of the loan amount. You may also pay an upfront mortgage insurance premium (UFMIP) of 1.75 percent of the loan, plus an annual premium of 0.55 to 0.85 percent. Total closing costs in Sonoma often range from 3,000 to 8,000 dollars, depending on the loan size 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 does an FHA loan specialist in Sonoma do?
An FHA loan specialist helps you apply for a Federal Housing Administration insured loan. They review your finances, explain FHA requirements, and guide you through the approval process. In Sonoma, they often work with local lenders familiar with California property values.
What are the FHA loan limits for Sonoma County in 2025?
For 2025, the FHA loan limit for a single-family home in Sonoma County is $1,149,825. This high limit reflects the area's elevated home prices. Limits are set by the U.S. Department of Housing and Urban Development (HUD) and are updated annually.
Do I need a specific down payment for an FHA loan in California?
FHA loans require a minimum down payment of 3.5 percent if your credit score is 580 or higher. If your score is between 500 and 579, you may need a 10 percent down payment. California law does not change these federal requirements.