What can I group into an FHA loan

[Brock Pellerin]

Hey everyone,

So I'm looking into house hacking in Orange county and I have a few questions. 

1) Can I bundle the closing cost into an FHA loan? I life in an expensive market living in Orange county and after looking into it, closing cost was a little more than I anticipated and I was wondering if I can including the closing cost as part of my loan.

2) Can I do the same with the upfront mortgage insurance payment?

The end goal would be to refinance out of the FHA loan after a few years.

3) What point in the process do I start the process with the bank once I have found a property that I like, or is it best to include said bank at the very beginning?

4) Lastly, for a property inspector, where in the process do I include an inspector before closing on a deal? Is it when I'm looking at the property or is it after the purchase process starts and the deal is contingent on an inspector?

Hope everyone is having a great week and is staying safe!