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Directory of fha loan specialists in Tehachapi, California. Verify credentials with the state mortgage licensing authority before hiring.
12 agents listed
Updated May 2026
Tehachapi, 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 12 fha loan specialists in Tehachapi, 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.
Nations Lending - Tehachapi, CA Branch - NMLS: 2246249
1054 W Valley Blvd ste b, Tehachapi, CA 93561
6615540404
The Semerenko Team Re/Max All Pro
303 S Robinson St, Tehachapi, CA 93561
6613413636
Coldwell Banker Frontier Tehachapi
765 Tucker Rd, Tehachapi, CA 93561
6618225553
American Pacific Mortgage Tehachapi
101 E Tehachapi Blvd, Tehachapi, CA 93561
6618225523
Better Homes and Gardens Real Estate Platinum Realty Group
21000 Mission St, Tehachapi, CA 93561
6614887411
Alysha Boles, Mortgage Advisor
303 S Robinson St, Tehachapi, CA 93561
6618587214
Terri McKeehan
122 S Green St Suite 5 Office 11, Tehachapi, CA 93561
5203310629
Guild Mortgage Co
803 Tucker Rd, Tehachapi, CA 93561
6618225868
imortgage
801 W Tehachapi Blvd #3, Tehachapi, CA 93561
6618231427
America Home Loans
20437 Brian Way, Tehachapi, CA 93561
6618234900
Shonna Martinez
807 Tucker Rd A, Tehachapi, CA 93561
6617717247
All Source Realtors & Mortgage
20436 Brian Way B, Tehachapi, CA 93561
6618224444
An FHA loan specialist in Tehachapi California helps borrowers navigate government-backed mortgages with lower down payments. California law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System. Tehachapi home buyers often use FHA loans for single-family homes in Kern County.
What Does a FHA Loan Specialist in Tehachapi Cost?
Typical costs for an FHA loan specialist in California include an origination fee of 1 percent of the loan amount and an upfront mortgage insurance premium of 1.75 percent. Annual mortgage insurance premiums range from 0.45 to 1.05 percent of the loan balance. Appraisal fees in Tehachapi usually cost 500 to 700 dollars. Closing costs generally total 2 to 5 percent of the loan amount. 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 Tehachapi California?
For 2025 the FHA loan limit for a single family home in Kern County is 498257 dollars. This limit applies to most areas in Tehachapi. Higher limits may apply for duplexes triplexes or four unit properties.
What is the minimum down payment for an FHA loan in California?
The minimum down payment for an FHA loan is 3.5 percent of the purchase price. This requires a credit score of 580 or higher. Borrowers with scores between 500 and 579 may qualify with a 10 percent down payment.
Are there California specific requirements for FHA loans?
California requires all FHA loan originators to complete 8 hours of annual continuing education. The state also mandates a 10 day right of rescission for refinances. Local Tehachapi lenders must follow both federal FHA rules and California mortgage laws.
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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.