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 10 fha loan specialists in Watsonville, 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.
Bay Equity Lending: Fernando Vicente, Mortgage Broker
54 Penny Ln Ste D, Watsonville, CA 95076
8312340336
James Saville II at Concept Mortgage
821 E Lake Ave, Watsonville, CA 95076
8315353954
Prime Home Loans
320 E Lake Ave, Watsonville, CA 95076
8317612200
Concept Mortgage
821 E Lake Ave, Watsonville, CA 95076
8317226250
Seabright Mortgage
120 Aviation Way Suite 5B, Watsonville, CA 95076
8314257880
Joanna Sandoval - 450753 - Wells Fargo Home Mortgage
326 Main St, Watsonville, CA 95076
8312341229
Karma Mortgage Solutions
159 Westridge Dr, Watsonville, CA 95076
8314622496
Lewis Associates
128 E Beach St, Watsonville, CA 95076
8317228935
Integrity Lending
444 Airport Blvd STE 101, Watsonville, CA 95076
8317221558
Sterling Pacific Financial
1205 Freedom Blvd, Watsonville, CA 95076
8317861980
What Does a FHA Loan Specialist in Watsonville Cost?
Typical costs for FHA loan services in California include an upfront mortgage insurance premium of 1.75% of the loan amount and an annual premium of 0.55% to 0.85%. Lender fees range from 1% to 2% of the loan amount. Closing costs in Watsonville average 3% to 5% of the purchase price. 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 does an FHA loan specialist in Watsonville do?
An FHA loan specialist guides you through the FHA loan process, including pre-approval, documentation, and closing. They help you understand California-specific requirements like property condition standards and loan limits for Santa Cruz County.
What are the FHA loan limits for Watsonville California?
For 2025, FHA loan limits in Santa Cruz County are higher than standard limits due to high-cost area designation. Single-family home limits are over $1 million. A local specialist can confirm current limits for your specific property type.