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Directory of fha loan specialists in Opelika, Alabama. Verify credentials with the state mortgage licensing authority before hiring.
6 agents listed
Updated May 2026
Opelika, 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 6 fha loan specialists in Opelika, 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.
Tina Flinn | SouthState Mortgage
701 2nd Ave, Opelika, AL 36801
3342686252
Quinten Burks
801 S Railroad Ave Stes 101 & 102, Opelika, AL 36801
3343440483
Green Street Mortgage Lenders Inc
600 Ave A, Opelika, AL 36801
2517520384
Alabama Ag Credit
1431 Gateway Dr, Opelika, AL 36801
3347493303
Southeast Mortgage
Opelika, AL 36801
2564961232
Diversified Mortgage Brokerage, LLC
102 S 6th St, Opelika, AL 36801
3342462537
FHA loan specialists in Opelika Alabama help homebuyers secure government-backed mortgages with lower down payments and flexible credit requirements. Alabama law requires all FHA loan originators to be licensed through the Nationwide Multistate Licensing System. Opelika residents often use FHA loans for homes in Lee County where median home prices remain affordable compared to national averages.
What Does a FHA Loan Specialist in Opelika Cost?
Typical costs for FHA loan services in Alabama include an upfront mortgage insurance premium of 1.75 percent of the loan amount and an annual premium of 0.55 percent for most borrowers. Lender origination fees range from 0.5 to 1.5 percent of the loan amount. Third-party costs such as appraisal title search and credit report fees total between $1,500 and $4,000. 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 FHA loan requirements in Alabama?
FHA loans in Alabama require a minimum 3.5 percent down payment for borrowers with a credit score of 580 or higher. The property must meet HUD safety and appraisal standards. Alabama law does not impose additional state-specific FHA requirements beyond federal guidelines.
How do I choose an FHA loan specialist in Opelika?
Look for a specialist who is licensed in Alabama and has experience with FHA loans in Lee County. Check their NMLS number and verify they have no recent disciplinary actions. Ask about their familiarity with local appraisers and closing agents in Opelika.
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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.