Compare FHA Loan Specialists in Windsor, CA
Compare fha loan specialists in Windsor. Review contact information and insurance categorys before you decide.
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State Mortgage Licensing Authority of California before hiring.
Showing 3 fha loan specialists in Windsor, CA
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An FHA loan specialist in Windsor, California helps homebuyers and homeowners navigate FHA-insured mortgages. These loans are popular in Sonoma 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 Windsor Cost?
Typical costs for an FHA loan specialist in California include an origination fee of up to 1 percent of the loan amount, plus third-party fees for appraisal (usually $500 to $700), credit report ($30 to $50), and title insurance ($1,000 to $2,500). Closing costs generally range from 2 to 5 percent of the purchase price. In Sonoma County, appraisal fees may be higher due to local market conditions. 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 is an FHA loan and how does it work in Windsor California?
An FHA loan is a mortgage insured by the Federal Housing Administration. In Windsor, these loans allow a down payment as low as 3.5 percent for borrowers with a credit score of 580 or higher. The loan must be used for a primary residence in Sonoma County.
What are the FHA loan limits for Windsor California in 2025?
For 2025, the FHA loan limit for a single-family home in Sonoma County is approximately $1,149,825. This amount is higher than the standard national limit due to the area being a high-cost region. Limits can change annually based on median home prices.
Do I need to pay mortgage insurance on an FHA loan in California?
Yes, FHA loans require both an upfront mortgage insurance premium (UFMIP) of 1.75 percent of the loan amount and an annual MIP. The annual MIP rate varies from 0.15 percent to 0.75 percent depending on the loan term and loan-to-value ratio. In California, this insurance is required for the life of the loan if your down payment is less than 10 percent.