Find FHA Loan Specialists Near You in Thousand Oaks, CA
Browse fha loan specialists serving Thousand Oaks, California. Contact information and addresses listed below.
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
State Mortgage Licensing Authority of California before hiring.
Showing 10 fha loan specialists in Thousand Oaks, CA
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An FHA loan specialist in Thousand Oaks, California helps homebuyers navigate FHA insured mortgages. These loans are popular for first time buyers and those with lower credit scores. California law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System (NMLS).
What Does a FHA Loan Specialist in Thousand Oaks Cost?
Typical costs for an FHA loan specialist in California include an upfront mortgage insurance premium (UFMIP) of 1.75 percent of the loan amount, plus an annual mortgage insurance premium (MIP) of 0.55 percent to 0.85 percent depending on loan term and loan to value ratio. Closing costs usually range from 3 to 6 percent of the purchase price. Additional fees may include appraisal, credit report, and title insurance. This is general information and 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 credit score is needed for an FHA loan in Thousand Oaks?
The minimum credit score for an FHA loan is typically 580 with a 3.5 percent down payment. With a score between 500 and 579, a 10 percent down payment is usually required. Each lender may have its own overlays and requirements.
What are the FHA loan limits for Thousand Oaks in 2025?
For 2025, the FHA loan limit for a single family home in Ventura County, which includes Thousand Oaks, is $1,149,825 for high cost areas. This limit is set by the Department of Housing and Urban Development (HUD) and adjusts annually.
How long does the FHA loan process take in California?
The FHA loan process in California typically takes 30 to 45 days from application to closing. Delays can occur if additional documentation is needed or if the property requires repairs. California law requires a three day right of rescission after signing loan documents.