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Looking for a fha loan specialist in Leeds? Review the directory below to compare your options.
4 agents listed
Updated May 2026
Leeds, 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 4 fha loan specialists in Leeds, 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.
Shane Ray and Matthew Ray- Stockton Mortgage Corporation
1915 Courson Ct #100, Leeds, AL 35094
2058210402
Kristi Graham Scott -Loan Officer and Branch Leader
7910 Parkway Dr, Leeds, AL 35094
2055166310
Sean Faciane- Loan Officer NMLS #1129252
7910 Parkway Dr, Leeds, AL 35094
2054109973
Hii Commercial Mortgage Loans Leeds AL
2425 Briarcliff Dr # D, Leeds, AL 35094
2056152899
An FHA loan specialist in Leeds Alabama helps home buyers secure government backed mortgages with lower down payments. Alabama law requires all mortgage loan originators to be licensed through the Alabama State Banking Department. Local specialists understand the Birmingham metro area housing market and can guide you through FHA appraisal rules for homes in Leeds.
What Does a FHA Loan Specialist in Leeds Cost?
Typical costs for an FHA loan specialist in Alabama include an origination fee of 1 percent of the loan amount and an upfront mortgage insurance premium of 1.75 percent. Annual mortgage insurance premiums range from 0.45 to 1.05 percent of the loan balance. Closing costs in Leeds Alabama average 3 to 5 percent of the purchase price. This is general information 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 Leeds Alabama?
For 2024 the FHA loan limit for a single family home in Jefferson County where Leeds is located is $498,257. This limit applies to standard FHA loans and may be higher for duplexes or triplexes.
Do I need a specific credit score for an FHA loan in Alabama?
FHA loans generally require a minimum credit score of 580 for a 3.5 percent down payment. Scores between 500 and 579 may still qualify but require a 10 percent down payment. Alabama lenders may have their own overlay requirements.
What Alabama specific rules apply to FHA loans?
Alabama requires all FHA loans to include a home inspection and flood insurance if the property is in a flood zone. The state also has specific escrow requirements for property taxes and homeowners insurance.
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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.