Find FHA Loan Specialists in Cullman, AL
Browse fha loan specialists serving Cullman, Alabama. Contact information and addresses listed below.
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
State Mortgage Licensing Authority of Alabama before hiring.
Showing 2 fha loan specialists in Cullman, AL
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FHA loan specialists in Cullman, Alabama help borrowers qualify for government-backed mortgages with lower down payments and flexible credit requirements. These loans are popular in Cullman County for first-time homebuyers and those with limited savings. Alabama law requires all mortgage loan originators to be licensed through the Alabama Banking Department.
What Does a FHA Loan Specialist in Cullman Cost?
Typical costs for an FHA loan specialist in Alabama include an upfront mortgage insurance premium of 1.75 percent of the loan amount, plus an annual mortgage insurance premium of 0.55 to 0.85 percent. Lender origination fees range from 0.5 to 1.0 percent of the loan amount. Appraisal fees in Cullman average $500 to $700. Closing costs generally total 2 to 5 percent 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 are the FHA loan limits for Cullman County Alabama in 2025?
For 2025, the FHA loan limit for a single-family home in Cullman County is $498,257. This amount applies to most areas and is set by the U.S. Department of Housing and Urban Development.
What credit score do I need for an FHA loan in Cullman Alabama?
FHA loans typically require a minimum credit score of 580 for a 3.5 percent down payment. Borrowers with scores between 500 and 579 may qualify with a 10 percent down payment. Each lender may set higher requirements.
How long does an FHA loan closing take in Alabama?
A standard FHA loan closing in Alabama usually takes 30 to 45 days from application to closing. Delays can occur if additional documentation or property repairs are needed. Alabama law requires a three-day rescission period after signing loan documents.