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Looking for a fha loan specialist in Soquel? Review the directory below to compare your options.
10 agents listed
Updated May 2026
Soquel, 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 10 fha loan specialists in Soquel, 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.
Santa Cruz Lending Group - Powered by Mason-McDuffie Mortgage Corporation
2425 Porter St #13, Soquel, CA 95073
8312570111
Marina Watts - Reverse Mortgages
2739 Porter St, Soquel, CA 95073
8315359760
Andrea Schenk - Santa Cruz Lending Group
2425 Porter St #13, Soquel, CA 95073
8314310496
Victor D. Romero - Santa Cruz Lending Group
2425 Porter St #13, Soquel, CA 95073
8312142172
Monterey Bay Mortgage, powered by CMG Financial NMLS 1820
2601 41st Ave C, Soquel, CA 95073
8314623630
Tai Boutell - Santa Cruz Lending Group
2425 Porter St #13, Soquel, CA 95073
8314196931
Megan Kilmer Santa Cruz Realtor and Lender
2571 S Main St STE D, Soquel, CA 95073
8318887530
Associated Home Loans
4835 Soquel Dr, Soquel, CA 95073
8314797777
BB Financial Solutions
5005 Vía Gatos, Soquel, CA 95073
8314756407
Jessie Brumbaugh - Santa Cruz Lending Group
2425 Porter St #13, Soquel, CA 95073
8313456977
An FHA loan specialist in Soquel, California can help you navigate the process of obtaining a government-backed mortgage. These loans are popular in Santa Cruz County due to lower down payment requirements and flexible credit standards. California law requires all loan originators to be licensed through the Nationwide Multistate Licensing System (NMLS), ensuring professional oversight.
What Does a FHA Loan Specialist in Soquel Cost?
Typical costs for an FHA loan specialist in California include an origination fee of 1% to 1.5% of the loan amount. Upfront mortgage insurance premium (UFMIP) is 1.75% of the base loan amount, and annual MIP ranges from 0.45% to 1.05% depending on loan term and loan-to-value ratio. Closing costs generally total 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 does an FHA loan specialist in Soquel do?
An FHA loan specialist guides borrowers through the FHA loan application process. They help with credit score requirements, debt-to-income ratios, and property eligibility. In Soquel, they also understand local home values and appraisal standards.
What are the FHA loan limits for Soquel in 2025?
For Santa Cruz County, the 2025 FHA loan limit for a single-family home is $1,149,825. This high limit reflects the area's elevated home prices. Borrowers should confirm current limits with a specialist as they can change annually.
What are the credit score requirements for an FHA loan in California?
The minimum credit score for an FHA loan is 580 with a 3.5% down payment. Scores between 500 and 579 may qualify with a 10% down payment. California law does not impose additional state-level credit requirements beyond federal FHA rules.
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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.