Find FHA Loan Specialists Near You in Seaford, DE
Looking for a fha loan specialist in Seaford? Review the directory below to compare your options.
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
State Mortgage Licensing Authority of Delaware before hiring.
Showing 9 fha loan specialists in Seaford, DE
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An FHA loan specialist in Seaford Delaware helps borrowers secure mortgages insured by the Federal Housing Administration. These loans are popular for first-time homebuyers and those with lower credit scores. Delaware law requires all mortgage loan originators to be licensed through the Delaware Office of the State Bank Commissioner.
What Does a FHA Loan Specialist in Seaford Cost?
Typical costs for an FHA loan in Delaware include an upfront mortgage insurance premium of 1.75 percent of the loan amount and an annual premium of 0.55 percent. Closing costs in Seaford generally range from 2 to 5 percent of the purchase price. Lender fees vary but average between $1,000 and $3,000. 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 are the FHA loan limits for Seaford Delaware in 2025?
For 2025 the FHA loan limit for a single-family home in Sussex County including Seaford is $498,257. Higher limits apply for multi-unit properties. These limits are set by the Department of Housing and Urban Development HUD.
What credit score do I need for an FHA loan in Seaford?
FHA loans generally 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. Each lender may have its own overlays beyond FHA minimums.
Are there Delaware-specific requirements for FHA loans?
Delaware does not have state-specific FHA laws but all mortgage originators must be licensed. Borrowers must also comply with Delaware property transfer taxes and recording fees. A home appraisal by a FHA-approved appraiser is required for all FHA loans.