Find FHA Loan Specialists Near You in Clearwater, FL
Compare fha loan specialists in Clearwater. Review contact information and insurance categorys before you decide.
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State Mortgage Licensing Authority of Florida before hiring.
Showing 20 fha loan specialists in Clearwater, FL
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What Does a FHA Loan Specialist in Clearwater Cost?
FHA loan specialists in Florida typically charge origination fees of 0.5% to 1.5% of the loan amount. The upfront mortgage insurance premium (UFMIP) is 1.75% of the loan amount and can be financed into the loan. Annual mortgage insurance premiums (MIP) range from 0.45% to 1.05% depending on loan term and loan to value ratio. Closing costs in Clearwater usually total 2% to 5% of the purchase price including appraisal fees title insurance and recording fees. 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 do in Clearwater Florida?
An FHA loan specialist guides borrowers through the FHA loan process from pre approval to closing. They help with credit qualifying, document collection, and property appraisal requirements. In Clearwater they also advise on Florida specific issues like windstorm insurance and flood zone compliance.
What are the FHA loan limits for Clearwater Florida?
For 2025 the FHA loan limit for a single family home in Pinellas County is $498,257. This limit applies to Clearwater and is set by the Department of Housing and Urban Development. Higher limits apply for duplexes triplexes and fourplex properties.
How long does an FHA loan take to close in Florida?
A typical FHA loan in Florida closes in 30 to 45 days from application. Florida law requires a 7 day right of rescission for refinances but not for purchase loans. Delays can occur if the property needs repairs to meet FHA minimum property standards.