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Compare FHA Loan Specialists in Cocoa Beach, FL

Compare fha loan specialists in Cocoa Beach. Review contact information and insurance categorys before you decide.

2 agents listed
Updated June 2026
Cocoa Beach, FL
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 Florida before hiring.
Showing 2 fha loan specialists in Cocoa Beach, FL Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Truist
150 Cocoa Isles Blvd, Cocoa Beach, FL 32931
(321) 392-3233 truist.com
Ideal Lending LLC
5505 N Atlantic Ave STE 207, Cocoa Beach, FL 32931
(844) 994-3325 ideallending.net

FHA loan specialists in Cocoa Beach Florida help homebuyers and homeowners access government-backed loans with lower down payments. These specialists guide clients through Florida specific requirements such as flood zone insurance rules for coastal properties. They also assist with FHA streamline refinancing and 203k rehabilitation loans for homes in Brevard County.

What Does a FHA Loan Specialist in Cocoa Beach Cost?

Typical costs for FHA loan specialist services in Florida include an origination fee of 1% to 1.75% of the loan amount. Upfront mortgage insurance premium (UFMIP) is 1.75% of the loan and can be financed into the loan. Annual mortgage insurance premiums range from 0.45% to 1.05% depending on loan term and down payment. Closing costs in Cocoa Beach usually total 3% to 5% of the purchase price including title fees and recording charges. 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 Cocoa Beach?
An FHA loan specialist helps you apply for and close a Federal Housing Administration insured loan. They review your credit, income, and property eligibility under Florida law. They also ensure the property meets FHA minimum standards and local flood zone requirements.
What are the FHA loan limits for Cocoa Beach Florida in 2025?
For 2025 the FHA loan limit for a single family home in Brevard County is $498,257. This amount applies to Cocoa Beach and surrounding areas. Higher limits may apply for duplexes or larger properties.
Do I need a special inspection for an FHA loan on a Cocoa Beach property?
Yes FHA requires a property appraisal and inspection for health and safety issues. In Cocoa Beach the specialist will also check for flood zone status and wind mitigation requirements. These are specific to Florida coastal properties and can affect loan approval.