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MLO Finder

FHA Loans in Huntington Beach, CA

FHA-insured mortgages follow HUD eligibility, underwriting, occupancy, property, loan-limit, and mortgage-insurance requirements.

FHA limit: verify the property county178 LOs in Huntington Beach

About FHA loans

What this loan type means for Huntington Beach buyers.

Government-insured financing with program-specific credit, down-payment, occupancy, property, and mortgage-insurance rules.

FHA limits are set by HUD for the county or metropolitan area where the property is located. MLO Finder could not map this city unambiguously to one HUD area, so this page does not publish a local dollar limit. Verify the property county in HUD's official lookup before relying on a maximum loan amount. Verify the official HUD county/MSA limit data.

Before reaching out, verify any loan officer's current licensing through NMLS Consumer Access. MLO Finder shows source-linked review snapshots where available but is not a lender and does not originate loans.

Borrower fit

Who FHA loans are for in Huntington Beach.

FHA-insured mortgages can serve eligible borrowers purchasing a principal residence. HUD program rules, the property, the selected underwriting path, and lender overlays all matter.

Primary sources for this guidance

Eligibility & paperwork

What it takes to qualify for a FHA loan.

Use this as a directional checklist. Individual lenders apply overlays on top of program minimums, so confirm specifics with a licensed loan officer.

Eligibility checklist
  • Use HUD's current FHA handbook for program eligibility, underwriting, property, and mortgage-insurance rules.
  • Credit and down-payment treatment depends on the complete file and whether underwriting is automated or manual; lenders may apply overlays.
  • The property must satisfy FHA occupancy and property requirements for the selected transaction.
  • The loan amount must fit the applicable HUD limit for the property county or metropolitan area and unit count.
Documents you'll be asked for
  • FHA documentation varies with employment, income type, assets, credit events, gifts, property, and underwriting path.
  • Ask whether the selected property and transaction require FHA-specific appraisal, condominium, repair, gift-fund, or prior-credit-event records.
  • If mortgage-insurance cost matters to the comparison, request the current upfront and annual premium treatment for the proposed case.
  • Ask the lender for a file-specific checklist before uploading documents; requirements depend on the program, underwriting path, property, occupancy, and income type.
  • Do not send Social Security numbers, bank statements, or other sensitive records until you are using the lender's authenticated secure channel.

Primary sources for this guidance

Misconceptions to skip

Common myths about FHA loans.

Myth

An FHA appraisal replaces an independent home inspection.

Reality

An FHA appraisal serves valuation and HUD property-review purposes; borrowers should decide separately whether to obtain an independent inspection.

Myth

FHA financing has one universal approval threshold.

Reality

Program rules, automated or manual underwriting, lender overlays, property details, and the complete borrower file can produce different outcomes. A published guideline is not an approval promise.

Myth

Every lender offers the same FHA financing terms.

Reality

Available programs, pricing, documentation, and overlays vary. Compare written Loan Estimates for the same scenario and verify the professional's current NMLS record.

Primary sources for this guidance

2026 HUD FHA limits

FHA limits in Huntington Beach.

FHA limit: verify the property county

FHA limits are set by HUD for the county or metropolitan area where the property is located. MLO Finder could not map this city unambiguously to one HUD area, so this page does not publish a local dollar limit. Verify the property county in HUD's official lookup before relying on a maximum loan amount.

Verify the official HUD county/MSA limit data.

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Loan officer profiles in Huntington Beach

Mortgage loan officer profiles listed in Huntington Beach.

These profiles are listed for Huntington Beach. Directory inclusion does not establish current state authorization or experience with FHA loans. Verify each officer's current status for your state through NMLS Consumer Access, then ask whether they handle your loan program before sharing documents or starting an application.

Alfredo Rivas

Alfredo Rivas

Mortgage Loan Officer

NMLS
#82968
Check on NMLS View profile
0
Alyssa Christine Gonzales

Alyssa Christine Gonzales

Mortgage Loan Officer

NMLS
#2311859
Check on NMLS View profile
0
Amir Hajirnia

Amir Hajirnia

Mortgage Loan Officer

NMLS
#351544
Check on NMLS View profile
0
Amir Sarkeshik

Amir Sarkeshik

Mortgage Loan Officer

NMLS
#335813
Check on NMLS View profile
0
Amy Elizabeth Brick

Amy Elizabeth Brick

Mortgage Loan Officer

NMLS
#2261971
Check on NMLS View profile
0
Analyn Castro Dacanay

Analyn Castro Dacanay

Mortgage Loan Officer

NMLS
#684153
Check on NMLS View profile
0
Andrew Douglas Yonce

Andrew Douglas Yonce

Mortgage Loan Officer

NMLS
#284512
Check on NMLS View profile
0
Anthony Jay Secrest

Anthony Jay Secrest

Mortgage Loan Officer

NMLS
#2031925
Check on NMLS View profile
0
Anthony Ray Pellegrino

Anthony Ray Pellegrino

Mortgage Loan Officer

NMLS
#233401
Check on NMLS View profile
0
Arturo Nevarez

Arturo Nevarez

Mortgage Loan Officer

NMLS
#1135237
Check on NMLS View profile
0
Baohan-Leslie T Cao

Baohan-Leslie T Cao

Mortgage Loan Officer

NMLS
#678770
Check on NMLS View profile
0
Benjamin James Quezada

Benjamin James Quezada

Mortgage Loan Officer

NMLS
#2292401
Check on NMLS View profile
0

Frequently asked questions

FHA loan questions Huntington Beach buyers ask.

Answers reflect general program guidelines. Your specific file may qualify differently — confirm with a licensed loan officer.

Does FHA have a maximum loan amount?
FHA limits are set by HUD for the county or metropolitan area where the property is located. MLO Finder could not map this city unambiguously to one HUD area, so this page does not publish a local dollar limit. Verify the property county in HUD's official lookup before relying on a maximum loan amount.
Is FHA only for first-time buyers?
No universal first-time-buyer requirement applies to FHA-insured financing, but borrower, occupancy, property, and underwriting requirements still apply.
Can FHA financing be used for any property?
No. Occupancy, property type, condition, appraisal, condominium status, unit count, and transaction rules can affect eligibility. Confirm the exact address with the lender before relying on the program.
Which documents will I need?
The lender should provide a file-specific checklist after identifying the program and underwriting path. Do not assume a generic online list applies to every borrower.
Are the numbers on this page an approval or rate quote?
No. This page is educational and does not offer credit, determine eligibility, or quote a rate. Current program rules and the lender's review of the complete file control.
How should I compare loan officers?
Confirm current licensing through NMLS Consumer Access, ask which lenders and programs each professional can access, and compare written Loan Estimates using the same assumptions.

Primary sources for this guidance

Local context

FHA financing in Huntington Beach, CA.

For an FHA purchase in Huntington Beach, California, confirm the property's county, unit count, occupancy, condition, and any condominium approval before relying on a loan-limit or appraisal assumption. Compare written Loan Estimates from licensed professionals serving Huntington Beach, and ask how each lender's overlays affect the specific file. MLO Finder is a directory, not a lender.

This page is for informational purposes only and does not constitute a loan offer, rate quote, or commitment to lend. Verify any loan officer's current licensing through NMLS Consumer Access. MLO Finder is a directory, not a lender, and does not originate loans.

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