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Find FHA Loan Specialists Near You in Union City, CA
Looking for a fha loan specialist in Union City? Review the directory below to compare your options.
3 agents listed
Updated May 2026
Union City, 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 3 fha loan specialists in Union City, 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.
Pacific Green Funding
29300 Kohoutek Way STE 110, Union City, CA 94587
8445456267
Triad Home Loans
33432 Alvarado-Niles Rd, Union City, CA 94587
5104877797
Ricky Huang - 1724043 - Wells Fargo Home Mortgage
30915 Courthouse Dr, Union City, CA 94587
4083076482
An FHA loan specialist in Union City, California helps borrowers secure mortgages insured by the Federal Housing Administration. These loans are popular for first-time homebuyers and those with lower credit scores. In California, FHA loans require a minimum down payment of 3.5 percent and must meet local property appraisal standards.
What Does a FHA Loan Specialist in Union City Cost?
FHA loan specialist fees in California typically range from 1 to 2 percent of the loan amount, though some specialists charge a flat fee of $1,500 to $3,000. You will also pay FHA mortgage insurance premiums: an upfront premium of 1.75 percent of the loan and an annual premium of 0.55 to 0.85 percent. Costs vary by lender and loan size. 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 Union City do?
An FHA loan specialist guides you through the FHA loan process, from pre-approval to closing. They help you understand FHA requirements, such as the 3.5 percent down payment and the 580 minimum credit score. They also assist with California-specific rules, like property condition standards.
What are the FHA loan limits for Union City California?
For 2024, the FHA loan limit for a single-family home in Alameda County, including Union City, is $1,149,825. This high limit reflects the area's elevated home prices. Limits may change annually based on the Federal Housing Finance Agency data.
How long does an FHA loan process take in California?
The typical FHA loan process in California takes 30 to 45 days from application to closing. Delays can occur if the property needs repairs to meet FHA minimum property standards. Your specialist will coordinate with appraisers and underwriters to keep the timeline on track.
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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.