Find FHA Loan Specialists Near You in Torrance, CA
Directory of fha loan specialists in Torrance, California. Verify credentials with the state state mortgage licensing authority before hiring.
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 19 fha loan specialists in Torrance, 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.
What Does a FHA Loan Specialist in Torrance Cost?
Typical costs for an FHA loan in California include an upfront mortgage insurance premium (UFMIP) of 1.75% of the loan amount, and an annual mortgage insurance premium (MIP) ranging from 0.45% to 1.05% of the loan balance. Closing costs in Torrance generally range from 2% to 5% of the purchase price. Lender fees, appraisal fees, and title insurance also apply. 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 Torrance, California?
For 2025, the FHA loan limit for a single-family home in Los Angeles County, which includes Torrance, is $1,209,750. This high limit reflects the area's elevated home prices. Limits are updated annually by the Department of Housing and Urban Development.
What credit score is needed for an FHA loan in California?
FHA loans typically require a minimum credit score of 580 for a 3.5% down payment. Borrowers with scores between 500 and 579 may qualify with a 10% down payment. Individual lenders in California may set higher requirements.