FHA Loan Specialists in Vista, CA — Compare & Find

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 5 fha loan specialists in Vista, 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.

Joel Hernandez - TIME Lending

1800 Thibodo Rd Ste 310-339, Vista, CA 92081

(213) 925-2482 hernandezloans.com

The Willson Team At Front Point Mortgage

170 Eucalyptus Ave, Vista, CA 92084

(760) 271-0045 willsonteam.com

Secured Lending Group, Mortgage Broker Belinda Biedebach

380 S Melrose Dr Suite 381, Vista, CA 92081

(858) 583-9800 securedlendinggroup.com

Nico Romero - Mortgage Loans

450 S Melrose Dr Suite 100, Vista, CA 92081

(760) 201-4545 nicomortgageloans.com

Heidi Guerrero

110 Civic Center Dr STE 202, Vista, CA 92084

(760) 518-9515 franklinlc.com

An FHA loan specialist in Vista California helps homebuyers secure mortgages insured by the Federal Housing Administration. These loans are popular in San Diego County due to lower down payment requirements and flexible credit guidelines. California law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System (NMLS).

What Does a FHA Loan Specialist in Vista Cost?

Typical costs for an FHA loan in California include an upfront mortgage insurance premium (UFMIP) of 1.75 percent of the loan amount and an annual mortgage insurance premium (MIP) ranging from 0.45 to 1.05 percent depending on loan terms and down payment. Origination fees from lenders usually range from 0.5 to 1.5 percent of the loan amount. Appraisal fees in Vista typically cost 500 to 700 dollars. 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 are the FHA loan limits for Vista California in 2025?

For San Diego County which includes Vista the FHA loan limit for a single family home is 1,209,750 for 2025. This limit applies to most areas and may be higher for multi unit properties.

Do I need a specific license to work as an FHA loan specialist in California?

Yes. All mortgage loan originators in California must hold a valid license through the NMLS. They must also complete pre licensing education pass a national exam and undergo a background check.

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 if your credit score is 580 or higher. If your credit score is between 500 and 579 you may need a 10 percent down payment.

FHA Loan Specialists in Other California Cities

Adelanto · Agoura Hills · Alameda · Albany · Alhambra · Aliso Viejo · Anaheim · Antioch · Apple Valley · Arcadia · Arcata · Arroyo Grande · Artesia · Atascadero · Atwater

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Legal Notice BeforeMortgageUSA.com is not a law firm, mortgage referral service, or legal advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state state mortgage licensing authority association before hiring.

About Our Listings

Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state 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 State Mortgage Licensing Authority of California.

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