Find FHA Loan Specialists in Southington, CT
Compare fha loan specialists in Southington. Review contact information and insurance categorys before you decide.
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State Mortgage Licensing Authority of Connecticut before hiring.
Showing 16 fha loan specialists in Southington, CT
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An FHA loan specialist in Southington Connecticut can help you navigate the Federal Housing Administration loan process. These loans are popular for first time homebuyers and those with lower credit scores. Connecticut law requires all mortgage originators to be licensed through the state Department of Banking which adds a layer of consumer protection for Southington residents.
What Does a FHA Loan Specialist in Southington Cost?
Typical costs for an FHA loan in Connecticut include an upfront mortgage insurance premium (UFMIP) of 1.75 percent of the loan amount and an annual mortgage insurance premium (MIP) of 0.55 to 0.85 percent. Closing costs in Southington range from 2 to 5 percent of the purchase price. Lender fees and appraisal costs add several hundred dollars. 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 credit score do I need for an FHA loan in Southington Connecticut?
The minimum credit score for an FHA loan is typically 580 with a 3.5 percent down payment. If your score is between 500 and 579 you may still qualify but you will need a 10 percent down payment. Connecticut lenders may have their own overlays so check with a local specialist.
Are there specific FHA loan limits for Southington Connecticut?
Yes FHA loan limits vary by county. Southington is in Hartford County where the 2025 FHA loan limit for a single family home is typically around $498,257. This limit is adjusted annually and may be higher for multi unit properties.
How long does the FHA loan process take in Connecticut?
The typical FHA loan process takes 30 to 45 days from application to closing in Connecticut. Delays can occur if the property needs repairs required by the FHA appraisal. Your specialist can help you prepare documents to speed up the process.