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Compare fha loan specialists in Gulf Shores. Review contact information and insurance categorys before you decide.
9 agents listed
Updated May 2026
Gulf Shores, 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 9 fha loan specialists in Gulf Shores, 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.
FirstBank Mortgage
113 E 20th Ave, Gulf Shores, AL 36542
8002006462
Georgia Kelley - Coastal Mortgage Team at Edge Home Finance
1544 W 2nd St #106, Gulf Shores, AL 36542
2516108066
Barr Group Mortgage
1703 Gulf Shores Pkwy, Gulf Shores, AL 36542
2519751800
Fountain Home Loans | DSCR Loans Mortgage Broker Lending Company
232 Professional Ct C4, Gulf Shores, AL 36542
2512074300
Joey Parker | SouthState Mortgage
1560 W 2nd St, Gulf Shores, AL 36542
2512698328
Ashley Jacks Movement Mortgage NMLS# 1193668
3145 Gulf Shores Pkwy, Gulf Shores, AL 36542
2059086354
Kelly Hobbs Motto Mortgage Gulf Coast
1545 W 2nd St Suite 100, Gulf Shores, AL 36542
2519683601
Rocket Mortgage - Loren Tunnicliffe - Local Loan Officer
3145 Gulf Shores Pkwy, Gulf Shores, AL 36542
5126369575
Motto Mortgage Gulf Coast
1545 W 2nd St Suite 100, Gulf Shores, AL 36542
2519683601
FHA loan specialists in Gulf Shores Alabama help homebuyers secure government-backed mortgages with lower down payments. Alabama law requires FHA loans to meet specific property standards and borrower qualifications. Local specialists understand Gulf Shores unique housing market and coastal property insurance requirements.
What Does a FHA Loan Specialist in Gulf Shores Cost?
FHA loan specialist fees in Alabama typically range from 1 to 2 percent of the loan amount for origination and processing. The upfront mortgage insurance premium is 1.75 percent of the loan amount. Annual mortgage insurance premiums vary from 0.45 to 1.05 percent based on loan term and down payment. These costs do not include third party fees like appraisal and title work. 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 FHA loan limits for Gulf Shores Alabama?
For 2024 FHA loan limits in Baldwin County Alabama are up to $498,257 for a single family home. Limits may change annually based on local median home prices.
Do FHA loans require a specific credit score in Alabama?
FHA loans generally require a minimum credit score of 580 for a 3.5 percent down payment. Some Alabama lenders may accept scores as low as 500 with a 10 percent down payment.
Are there Alabama specific rules for FHA loans on coastal properties?
Yes FHA requires flood insurance for properties in designated flood zones which are common in Gulf Shores. Alabama also requires wind and hail insurance for coastal areas.
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BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
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.