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Browse fha loan specialists serving Chelsea, Alabama. Contact information and addresses listed below.
2 agents listed
Updated May 2026
Chelsea, AL
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 Alabama before hiring.
Showing 2 fha loan specialists in Chelsea, AL
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Kristy Redford
48 Chesser Crane Rd, Chelsea, AL 35043
2052664092
MortgageBanc- Chelsea
1801 Co Rd 39, Chelsea, AL 35043
2059864220
FHA loan specialists in Chelsea Alabama help homebuyers secure government-backed mortgages with lower down payments. Alabama law requires all FHA loan originators to be licensed through the Nationwide Multistate Licensing System. Local specialists understand Shelby County property values and can guide you through FHA appraisal requirements specific to the area.
What Does a FHA Loan Specialist in Chelsea Cost?
Typical costs for FHA loan services in Alabama include an upfront mortgage insurance premium of 1.75 percent of the loan amount and annual MIP of 0.45 to 1.05 percent. Closing costs in Chelsea range from 2 to 5 percent of the purchase price. Appraisal fees are usually 400 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 credit score do I need for an FHA loan in Chelsea Alabama?
FHA loans typically require a minimum credit score of 580 for a 3.5 percent down payment. Some lenders may accept scores as low as 500 with a 10 percent down payment. Your specialist can review your specific situation.
Are FHA loans available for manufactured homes in Chelsea?
Yes FHA loans can be used for manufactured homes in Chelsea Alabama. The home must meet HUD standards and be permanently affixed to a foundation. Your specialist will help ensure the property qualifies.
How long does the FHA loan process take in Alabama?
The FHA loan process in Alabama usually takes 30 to 45 days from application to closing. Delays can occur if the property needs repairs or if appraisal issues arise. Your specialist will keep you updated throughout.
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About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, 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 Alabama.