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Compare fha loan specialists in Semmes. Review contact information and insurance categorys before you decide.
2 agents listed
Updated May 2026
Semmes, 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 Semmes, 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.
Kyri Patterson - The Mortgage Lady
3558 Oak Tree Dr, Semmes, AL 36575
2513791071
PNC Mortgage
7800 Moffett Rd, Semmes, AL 36575
2516498602
FHA loan specialists in Semmes Alabama help homebuyers secure government-backed mortgages with lower down payments. Alabama law requires FHA loans to meet specific property condition standards set by HUD. Specialists in Semmes understand local housing market trends and can guide you through the approval process.
What Does a FHA Loan Specialist in Semmes Cost?
Typical costs for FHA loan specialist services in Alabama include an origination fee of 1% to 1.75% of the loan amount. Appraisal fees range from $500 to $700. Closing costs usually total 3% to 5% of the loan amount. Alabama also charges a mortgage recording tax of $0.15 per $100 of the loan. 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 does an FHA loan specialist in Semmes do?
An FHA loan specialist helps you apply for Federal Housing Administration loans. They review your finances, explain Alabama-specific requirements like the need for a HUD-approved appraisal, and submit your application to lenders.
What are the FHA loan limits for Semmes Alabama?
FHA loan limits in Semmes follow Mobile County limits. For 2024 the single-family limit is $498,257. Limits may change yearly based on HUD guidelines.
Do I need a special license to be an FHA loan specialist in Alabama?
Yes. FHA loan specialists in Alabama must hold a valid mortgage loan originator license through the Alabama Banking Department. They also need to complete annual continuing education on federal and state lending laws.
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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.