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Directory of fha loan specialists in Surprise, Arizona. Verify credentials with the state mortgage licensing authority before hiring.
5 agents listed
Updated May 2026
Surprise, AZ
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 Arizona before hiring.
Showing 5 fha loan specialists in Surprise, AZ
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Arnaiz Mortgage
15331 W Bell Rd #212, Surprise, AZ 85374
6238064645
Radiant Financial Group LLC
Next to Vogue, 15411 W Waddell Rd Ste 107, Surprise, AZ 85379
6235847784
Wikoff Mortgage
14245 W Grand Ave Suite 2, Surprise, AZ 85374
6233085385
James Prigge - Radiant Financial Group
15411 W Waddell Rd Ste 107, Surprise, AZ 85379
6239102979
Mortgage Beacon, L.L.C.
15270 W Brookside Ln Ste 125, Surprise, AZ 85374
6235444226
What Does a FHA Loan Specialist in Surprise Cost?
Typical costs for an FHA loan in Arizona include an upfront mortgage insurance premium of 1.75 percent of the loan amount, plus annual mortgage insurance premiums ranging from 0.45 to 1.05 percent. Closing costs in Surprise generally range from 2 to 5 percent of the purchase price, including appraisal fees of $500 to $700 and title insurance fees. Lender origination fees vary but often are 1 percent of the loan amount. 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 Surprise Arizona in 2025?
For Maricopa County which includes Surprise, the 2025 FHA loan limit for a single-family home is $530,150. Higher limits apply for multi-unit properties up to $1,019,600 for four units.
What credit score is needed for an FHA loan in Arizona?
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. Arizona lenders may have their own overlays above FHA minimums.
How long does FHA loan processing take in Surprise Arizona?
FHA loan processing in Surprise typically takes 30 to 45 days from application to closing. Arizona law requires a 3-business-day right of rescission after signing loan documents. Delays can occur if additional property inspections are needed.
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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 Arizona.